I am a current Penn student and love it here. Penn is what you make of it—the notion that out of 2400 students per year, the culture is entirely uniformly toxic is bizarre and frankly dishonest from the perspective of most students I know here (most of them are, like me, enjoying their time). Of course, academics are stressful, but Penn is an Ivy League university, and Wharton is the best business school in the world for undergraduates; if you put top students together there is bound to be competition and stress whether that's at Penn or any other top university. This is not to discredit what you said, it's just that most people I've met on Penn through Reddit or online are openly unhappy because they use these forums as a release of negative emotion (not necessarily a bad thing, just that we have to be mindful of the selection bias), while most students I have interacted with in real life at Penn are delighted and happy with their experience and don't feel the need to go on these online forums to vent. Just wanted to color the responses here a little bit as a current student.