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Most people, I gather, apply to about 6-8 schools. Are you honestly excited about spending seven years on every one of those campuses?
Also consider:
$100 to sign up for the GRE
$20 to send the GRE score report to every school over #4 (for you, 11, so $220)
$70ish for each application submission => $1000
$8 for every official transcript (less if you're luckier than I was) => $120 bare minimum; some schools expect multiple copies
Total, rounded down and before complications (GRE retest, postage for paper recommendations or other supplemental materials, resending transcripts or score reports that fail to arrive etc.): $1400
That's a lot of money to blow on schools you don't think you'll get into.
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