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I'm not an expert on financial aid packages, but I'll try. The major inscentive to apply regular decision is that you can try to force Mudd to give you a better package by asking them to match other school's packages. Mudd is somewhat finicky with their packages, so it depends on how much you will need a generous aid package. Of course, if it is impossible for you to meet the financial requirements of attending given your financial aid, the college will either try to adapt, or probably let you go without any trouble.
There is a significant advantage to applying early decision in terms of chance of acceptance. I think you are about twice as likely to get in. Mudd appreciates people who really like the school.
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First of all, thanks for the response. But doesn't Mudd guarantee to offer some type of aid for 100% of your financial need. Or is this just tricky wording? I'm sort of concerned because I would need a lot of financial aid to afford HMC. I'm willing to take a lot of loans, though, because I don't plan on grad school immediately after graduation.
I don't know. At this point, it seems like missing out on some possible financial aid is a way smaller deterrent to applying early than being twice as likely of being accepted is an incentive. Does anyone disagree?