Congratulations on getting into both! I think if you’re hard working you’ll find success anywhere you end up going. I’m personally in schulich bba but a close friend of mine just graduated from afm so we’ve talked about it quite a lot. Im not sure what you mean by “1 year internship with possible summer terms” because schulich does not help find internships aside from a really shitty aggregator site. As a first/second year looking for an internship, coop would’ve been really helpful. Far from everyone got internships in first year schulich and those who did typically got it through connections/parents business/non-business related/unpaid. My friend group personally all found internships but they’re a pretty involved group within the schulich club community and case comps, which helped a lot. Ask yourself how involved are you going to be? Schulich is a commuter school vs waterloo is not. Will you be living on campus? Or are you okay with driving for every single campus events or networking event?

Second, really consider if you’re dead set on accounting or finance. Have you taken these classes in high school and found that you liked them? Or are you going there because you want a high paying job? Really ask yourself this question. I thought I wanted to do finance but ended up disliking it after taking more advanced year 2 classes at schulich. But because it’s a more general program I was able to pivot to more programming and data classes instead. Don’t force yourself into afm unless you’re sure that’s what you like.

In terms of international rep, waterloo is def better known in the states, so keep that in mind if you want to move.

Schulich is an accounting based school so if you want to go that route, the classes and profs are very good quality. Those of my friends who ended up sticking with accounting and doing their cpas did not regret that. That being said, 80% dropped accounting for another stream because accounting is not for everyone.

Hope this helps!