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Normally, the first three schools are free with additional designations costing more with the waiver. For non-waiver applicants, they have to pay for the first three designations ($135 for the 1st one, $40 for each additional designation after that). So, it tells you to list the first three because you will get those for free and then the others will cost money ($40 for each additional one).
As for your other concern, schools don't discriminate based on socioeconomic status. If they did and someone found out, then that school is going to draw heat from people. I think that notification factors into schools granting waivers for secondary application fees, which are uncommon and require contacting the director of admissions for consideration.
As for your other concern, schools don't discriminate based on socioeconomic status. If they did and someone found out, then that school is going to draw heat from people. I think that notification factors into schools granting waivers for secondary application fees, which are uncommon and require contacting the director of admissions for consideration.