As you might already know, there are two meal plans that freshmen can select: Diplomat (declining balance) or Passport (pays for an entire meal), and you can choose between different levels in both.
I will be the first to admit that I’m extremely biased on this topic; I’ve used Diplomat for my entire 3.5 years at Miami, and I don’t know anyone who is still on Passport. My township uses the declining balance accounts, so it was the most familiar system for me. However, I can definitely see advantages and disadvantages associated with both meal plans.
Diplomat is versatile but more expensive. I prefer Diplomat because you can access your account at any time during the day, so it doesn’t matter if you can’t make it to a dining hall at a certain time. It’s also perfect for me because I tend to eat smaller breakfasts and slightly larger lunches. My breakfast is consistently about $2.50 under the Passport limit, while my lunch is usually about $1 over the lunch limit. Of course, if you eat at a buffet-style dining hall, this isn’t an issue.
There are a lot of limits on how you can use Passport, but it is the less expensive option if you plan on eating 19 meals/week. However, that also assumes that you actually will eat all of these meals. I always end up with classes during lunch on either MWF or TR, so I would probably end up losing money on Passport. You can only use Passport during certain times of the day, and you can only swipe it as Passport once. If you want to buy something outside of these times or after you bought a meal, you have to use your snack account. Another inconvenient thing about Passport (for me) is that you are limited to using a certain amount of money during breakfast, lunch, and dinner times when you are at an a la carte location.
Overall, I think Passport is a great plan if you never skip meals, and if you can eat at a specific time every day. If your schedule doesn’t allow you to eat meals at what Miami considers to be “normal” times, then you should probably go with Diplomat.