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Oh, quicky thing, more about admissions than finances but seems relevant.
If you're new to the process make sure that you understand the differences between early decision and early action. The former is usually a contractual obligation deal (you get it, you're going) the latter is just getting you ahead of the curve on acceptance.
Schools vary but anywhere from 40% to 60% of their freshmen will be acquired during the early action phase. Meaning if you wait til the regular phase you're competing for potentially fewer spots with more people in the mix.
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"I lit another cigarette. Unless I specifically inform you to the contrary, I am always lighting another cigarette." - from a novel by Martin Amis
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