nkittiph - at least you're saving money that way! Apps are expensive. I've heard of a lot of people applying to only one program so you're not alone. I've applied to a handful - Rochester, JHU, Duquesne to name a couple. I'd really love QU though!
ksahlberg - I don't have that much debt from my undergrad but the accelerated programs are still super expensive regardless. My parents are helping me thankfully but I also will be taking out loans. I just graduated in May so I'm still living at home right now to save money so I'll be putting some of that towards my education! As for living with someone...definitely. If I get into QU, I can remain at home. If I attend somewhere out of state, I'll certainly be needing a roommate!