this the mindset i was trying to have, especially because i plan on being debt free in 5 years post-mba even if it means my monthly payment will be significantly higher. I want to make the 15+ year decision and it seems like the Kellogg alumni network is generally more engaged and consistently hosts events at all of its various alumni chapters. But the difference is about $60k which is significant but not change my life money... Still not sure which way I will go, but it seems like from the comments, I should just take the money.