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[quote=Anonymous]"Technically I believe you have an out if you deem the financial aid offer insufficient,"

Of course you have an out if you deem the financial aid insufficient. You just need to be very clear with your DC as the application goes in what aid will be insufficient.

You can ALWAYS pick an optimistic number.  If ED school costs $70k and calculator says you must pay $20k, tell DC $18k or $15k because you are worried about the stock market or that your company isn't giving raises this year.

The first thing people do wrong with ED is thinking that their ED school is the only school they are going to apply to early.

You have to apply to all the school you can around the ED deadline and a few rolling ones before if you can.  For example, in MD, everyone should apply to UMd on November 1st even if they have an ED school.

You aren't going to hear from UMd in time to matter for the ED decision but only if you get in ED does it matter at all.  If you don't get in or are deferred, you need all those early applications to improve your odds.

All ED does is state you can't apply ED to more than one school and that if you decide to attend the ED school, you will pull your applications from the other schools.

Yes, you might feel some pressure if the cost calculator tells you they are going to offer $X and they only come back with $X minus 10% but if you are clear with your DC that if they don't offer $X it will not happen, then that pressure is only in your mind.

I think where people go off track with ED is aiming their ED application at a school that is too much of a reach.  You can read that as financial as well as academic reach.

Super reach schools are unlikely to offer merit aid but schools like Rochester Institute of Technology with "friendly" ED hand out most of their acceptances and money in the ED crowd.

If you hem and haw about how "friendly" they actually intend to be, you lose out.[/quote]

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