The SAT Exam is a test that helps colleges see if you're ready for college-level classes. It checks your reading, writing, and math skills. A 1040 SAT score is a bit higher than the national average of about 1024. This means you scored better than almost half of all test-takers. While it might not be enough for super competitive colleges, it’s still a solid score. Many good public and private colleges accept it, especially if you also have a strong GPA, good activities, and a great essay. So, if you got a 1040, don’t stress—you still have a good chance to get into a college that’s right for you.

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Is 1040 a good SAT score for the First Time?

A 1040 SAT score is a little above the national average, which makes it a solid start—especially if it’s your first try. It shows you have a good understanding of reading, writing, and math. Many public and private colleges accept students with this score, so you already have good options. If you want to get into more competitive schools, you can study and take the test again. Most students do better the second time with practice.

What Colleges Accept a 1040 SAT Score?

If you got a 1040 on the SAT, you can still get into many good colleges in the U.S. Schools like Texas State University, University of North Texas, and Eastern Michigan University often accept students with this score. These colleges have good programs, fun campus life, and lots of chances to learn and grow. Colleges also look at your GPA, activities, and essays—so if the rest of your application is strong, you have a great shot.

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How Does a 1040 SAT Score Compare to the National Average?

A 1040 SAT score is a bit higher than the national average. In 2024, the average SAT score was about 1024, so 1040 means you did better than many other students. That’s a good sign for colleges because it shows you’re ready for college-level work. While super competitive schools may want higher scores, a 1040 still gives you lots of good college options all over the country. It’s a solid score to start your college journey.

Should You Retake the SAT if You Score a 1040?

If you got a 1040 on the SAT, it might be a good idea to take the test again—especially if you're in 11th grade. A 1040 is a solid starting score, but even a small boost, like 100 points, can give you more college choices and help your application look better. Most students who take the SAT again score 60–70 points higher. Review your test, find the parts you struggled with, and focus your studying there. Use a timer during practice tests, try SAT prep books, or join a prep class at school to improve.

If you’re in 12th grade, you might be short on time, but some colleges accept scores from summer or early fall SATs. If you can’t retake the test, don’t worry—just make the rest of your application strong. Write a great essay, get good teacher recommendations, and ask your school counselor to check your work. You can also apply to test-optional colleges, which focus more on your grades, activities, and essay than your SAT score.

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1040 SAT to ACT Equivalent 

A 1040 on the SAT is about the same as getting a 20 on the ACT Exam. Both scores are a little above average and show you're ready for college. Colleges look at SAT and ACT scores in the same way, so it’s okay to take either test. If you’re not sure which one is better for you, try a practice test for both. Then pick the one that feels easier and helps you get the best score.

📌 Know about SAT vs ACT: Which Test Should You Take for College Admissions?

Colleges Scholarships That Accept a 1040 SAT Score

A 1040 SAT score can help you get scholarships at some colleges. These are called merit-based scholarships and are given for good grades or test scores. The money you get can be different at each school, but many colleges offer financial help or awards for students with a score like yours. Here are a few examples of colleges that give scholarships for a 1040 SAT score:

• Texas State University – Offers merit scholarships like the President’s Honor Scholarship for students meeting GPA and SAT criteria.
• University of Southern Mississippi – Provides Academic Merit Scholarships starting with a 1040 SAT and a solid GPA.
• Northern Arizona University – Awards the NAU Merit Scholarship for residents and non-residents with a 1040+ SAT.
• Eastern Michigan University – Offers the Education First Opportunity Scholarship based on GPA and test scores.
• Middle Tennessee State University – Provides Guaranteed Academic Scholarships to eligible students with scores starting at 1040 SAT.

📌 Read about ACT to SAT Conversion: Convert SAT Scores Into ACT Scores

Top 15 Colleges That Accept a 1040 SAT Score

A 1040 SAT score is a little higher than average and can help you get into many good colleges. While it may not be enough for the most competitive schools, it’s still a strong score. You can get into lots of public and private universities that offer great classes, fun campus life, and even financial aid. Below, you’ll find a list of 15 colleges where your 1040 SAT score can give you a good chance of getting in.

Note: Tuition fees are approximate and pertain to in-state students. Graduation rates and enrollment figures are based on the most recent data available from official university sources.

A 1040 SAT score gives you lots of college choices. It shows you're ready for college-level classes and can get into many good schools. While it might not be enough for the most selective colleges, it's still a solid score. Keep working on your GPA, join activities, and write a strong essay. If you do that, you’ll have a great shot at finding a college that fits you and helps you reach your goals.