<p>Ianeberle, I suggest you apply to all of the schools on your list, including USF and UWF as early as you can and get your financial aid papers to them ASAP. It can make a difference in the aid you get from them. Schools do run out of some caches of money and the early bird gets the worm in many such cases. I would not wait until the application deadlines. What you save in app fees may not be worth it in your aid package.</p>