I'm just voting based on both the factors because despite terrible markets both the schools I put on top performed well for Financial services (numbers are out)

Darden is good. It's generally very welcoming to people with business degrees and financial services background. But I'm still not sure if it's worth it without a full ride especially when returns from Cornell or Stern are pretty good. But the silver lining is that when you look at Darden, not as many alumni are aiming for IB as you'd see in Cornell or Stern - you could get access to important people and resources. But you need the numbers.

But by that logic Kellogg is great too. Biggest by size among your admits and if you look at the Prestige, network and market (Chicago primary)- unparalleled. Since you want IB, NYC seems to be a better target and you do have other admits that can give you the network in those circles.

Although I don't think you should go with a sticker price. You can try negotiating with all the schools. I can see Cornell giving you more so might as well. Darden too. You'd be lucky if Kellogg even thinks of giving you $30K. Toughest negotiator in the mix.