Money is definitely an issue for me for those middle-of-the-pack schools for me. There were definitely a few schools that i visited that i will not hold acceptances at if i am accepted, because i did not like them and could not learn well there. One school in particular, even if i got a full ride i would not attend over any of the schools i have been accepted to. So I wouldn't hold an acceptance there, because you're right, that is selfish and other applicants could secure that spot who need it. However, any school that i would honestly consider going to after having visited, i will hold that spot until i get my financial aid package. Money definitely talks. There are two schools that i would go to even if they didn't give me a dime and i needed to take out $250,000 more in loans, but it's going to be a tough choice. I think a lot of people whose families aren't very supportive are going to have to make similar $-based decisions, so it's important to consider that when judging people holding multiple acceptances, and not just think it's them being selfish.