Scuttlebutt is that he's staying. Thumbing his nose right in the face of Matt Leinart's ghost, I guess.
No idea what his family's financial situation is. If they're already well off, then given the reduced NFL rookie contracts, it's not quite the slam dunk it used to be. If he comes back, he's immediately the favorite to win the Heisman, a national championship, and be the overall #1 pick next year.