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It’s much more grey than that. It’s a mixture of fraud, access to diagnosis, deference to experts, and ambition even at the individual level.

I don’t think many individuals in the population implicated by this article are acting will purely fraudulent and selfish intent. It’s more subtle.

It's not really an assumption. It's been well known for years that registering with certain disabilities gives students advantages in test taking (longer time, separate exam times), housing selection on campus, ability to record exams, and more.

The assumption being made, and which you're still making here, is the jump from "there are benefits to registering with a disability" -> "differences in registration rates are due to fraud".

Certainly one possible explanation, but "obviously people would abuse that, thus this is abuse" is still an assumption, not an evidenced claim.

Maybe one theory is that the universities are selecting for disability.