Echoing what two posters said above...
The biggest challenge for me this year was the money. I could only afford to apply to one school. I live on disability, and had a bankruptcy in January 2010.
I haven't been rejected yet, but if I am, I'll apply to 4 or 5 schools next year using recently acquired credit cards.
I'll only apply to schools next year that have an application fee waiver. Then I'll only have to pay for test scores, transcripts, and possibly degree certifications/verifications.
I'm keeping the balances of my two new credit cards at $0.00.
-lizardclan