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Don't apply to 10 schools, find 3 that you really like, throw in a reach if you want to and a safety.
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Terrible advice, especially if the OP needs to compare financial aid offers.
Most applicants have a very tough time determining their application strength; the best thing is to apply to a range of schools, everything from very safe to very reachy. That way you don't have any regrets come April.
To try to slice everything up into reach-match-safety is just silly.