<p>Well, when she applied to M, she already had an acceptance to another school and she did not withdraw from that school. Now, things are a bit murky because it is very unusual to already have an acceptance in hand when applying ED. Usually , you would get the ED decision before any others after all. So, one could argue that it’s not entirely clear what the right thing to do is. And, I would have no problem at all , of course, with her applying to M RD.
And, pragmatically, I’m glad her family is taking those loans seriously. Too many folks don’t.</p>