Hi tytus,
GMAT questions can typically be approached in a number of different ways (some of which are shorter/easier than others). In this prompt, it's easiest/fastest to calculate what we DON'T want to have happen and subtract that from 1. If you wanted to approach this the other way (calculate ALL of the different ways to get accepted to AT LEAST ONE Program, here's how you would do it)...
Probability of exactly 1 program (of the 3):
First Program "yes"; second and third "no"
(1/5)(4/5)(4/5) = 16/125
Second Program "yes"; first and third "no"
(4/5)(1/5)(4/5) = 16/125
Third Program "yes"; first and second "no"
(4/5)(4/5)(1/5) = 16/125
Probability of exactly 2 programs (of the 3):
First and second Program "yes"; third "no"
(1/5)(1/5)(4/5) = 4/125
First and third Program "yes"; second "no"
(1/5)(4/5)(1/5) = 4/125
Second and third Program "yes"; first "no"
(4/5)(1/5)(1/5) = 4/125
Probability of all 3 programs:
(1/5)(1/5)(1/5) = 1/125
Total of all options: 16/125+16/125+16/125+4/125+4/125+4/125+1/125 = 61/25
Final Answer:
As you can see, this is somewhat tedious, so learning the most efficient ways to deal with prompts can save you LOTS of time.
GMAT assassins aren't born, they're made,
Rich