how is your GPA and your class rank and stuff? If there good then you should go for early desi. but if not, then work on them senior yr., and instead do regular decision. fianicial aid shouldnt be a prob., as for you getting a better chance, i think it depends on the college, i mean it might
I notice you're not specifying which college you're considering applying to early decision. If you don't have a specific place in mind, don't do it. You want to be 100% sure that this is where you want to spend the next few years of your life before you submit anything binding.
If you do know where you want to go, but financial aid is a big deal to you, you might also want to wait until the beginning of regular decision. Early decision takes away any bargaining power you might have; since you're already committed to coming, you have to either take what you're offered or prove that you absolutely cannot pay what they're asking.
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