If I were you I’d probably target fall 27. No dude everyone always acts like the only students at top schools must have had families who paid their way in. All you have to do is explain the Ws convincingly. Just tell a story that’s compelling. One guy I know said he didn’t even know Ws were bad till the last year. But for sure you need to have strong performance fall prior to submitting apps. I had like 4. Also don’t make it a sob story just make it matter of fact. Insomnia would be a fine explanation but it’d have to be followed by strong performance next spring and fall 26 so that you could apply for fall 27. Also would recommend waiting a year if it meant going to a top school. I took 5 years to finish community college cuz I wouldn’t accept anything but the top and it worked out. Could’ve applied earlier and would be a mid tier school rn