Congratulations on your acceptances and well-researched post. As stated above, the decision will come down to how you weigh that debt against the resources in Chicago. The debt is not a small thing, but there is perspective that many students on here take 300-400k in debt, so 80-100k is not attractive, but also not unbearable. Since you seem to prefer Chicago (the better objective option), but worry about the price (which is valid), I would consider these questions:
With the specialties I am likely to choose, how much of a burden will this debt be?
This will contextualize it. Doing GI, surgery, or Neurology vs Pediatrics or Family Medicine changes the weight of that debt.
Will the difference in resources open or close doors for me? How much are the extra resources worth for me personally?
I.E. How much would getting a better residency (in New England?) be worth to me? It's all really a balance of opportunity cost when you compare a T20 with partial scholarship to a lower T(near 100) with a full scholarship. You pay somewhere and it is a matter of preference whether that is in tuition or resources/opportunities/etc. There's a reason one offered a full-ride to try to keep you; they would lose you to better schools otherwise.
Outside of academics, is there a value to me in the geography or situation of either school? If your quality of life would be better in one place, how much would that be worth to you?
Things like urban or not, driving or not, family nearby, opportunities to stay sane during medical school, etc. Inside of academics this could ask about the quality of life in rotation locations or school emphasis. If mental health is important to you, would one school make it easier to maintain your mental health and complete medical school? How much is that worth?
While these are not all of the factors to weigh, hopefully they can be a starting point for you. Instead of taking the opinion of internet strangers, ponder on these questions and weigh the decision yourself. Like in all of life, the cost will be paid somewhere. There is no truly free ride, but you can weight the options and make the decision based on where you would rather pay. Find what feels right and don't worry about it after that. The worst you can do is regret the choice during your medical career.
