You CAN apply Early Decision to Penn and also Early ACTION to MIT.
Oddly enough, Penn imposed a weird new rule this year saying that their Early Decision candidates can't apply Early ACTION to other private institutions. But apparently they caught a lot of grief for it (maybe they heard what “The Dean" was thinking 😉 ) so a couple weeks ago they recanted!
This frees you up to submit concurrent Early applications to both Penn and MIT, as long as you understand (and you clearly do) that you must attend Penn if you're lucky enough to be accepted by both schools.
Good luck!
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