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Really, mhmm, is it necessary to compare people who back out of ED for financial reasons to Bernie Madoff? The binding ED agreement, at least for Common App schools, includes an escape clause if the family deems the financial aid package not to be workable. This suggests that colleges acknowledge the possibility that some FA packages are not that great. Maybe some people could be better informed than they are, but there's no need to invoke the name of a crook like Bernie Madoff to describe the actions of people who do nothing that isn't specifically allowed by the terms of the agreement.
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