Heather,
As they all said, it depends on the school and on your chapter. My chapter really values sophomore and junior rushees. They tend to show a more mature and realistic perspective of college life. They have already proven that they have the grades and the overall drive to make it through college and they understand better than an incoming freshman the idea of managing time in university. This doesn't mean that we have anything against freshmen, as most go on to be great members. But we also love our slightly older rushees. BTW, I pledged as a sophomore.
And about the harming the finances thing, as long as the spots of those who leave are replaced by new members, everything still works out okay.
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