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I agree with the majority of commenters that between two good schools, you should choose the debt-free option. It puts you literally years ahead of your peers when you graduate. Also, here's some unsolicited advice: Here's something that our generation didn't get told. Your income depends on your degree choice as much as your decision to go to college. Universities don't tell you that because they often don't care about your financial success as much as your choice to go to their school. Not all degrees lead to useful/well-paying jobs; in fact, a lot don't. The message "go to college so you can get a good job" is outdated. Now you have to pick a high-paying major to get a high-paying job. It didn't used to be this way, but now it is.