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Hard choices, no easy answers. Regardless of where you go, the debt is just a mountain you have to take up and carry, or forget the whole thing. From where I sit one year in, taking on less debt would be a great thing even if it meant going to a lesser-ranked school. The rankings are all smoke and mirrors and it's true that if you do well at a lesser-ranked school, your opportunities could very well be better than if you do average at a the better-ranked school.

At least you're going in w/eyes wide open, which is more than can be said for many.

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