Congratulations on 2 scholarships and 2 admits. Fantastic Job at 25!
I rushed to the thread thinking it was easy pickings of Haas full ride vs. Columbia. Of course it is not, and nothing looks as good as we think it does at first. I think the biggest question is now vs. next year. Frankly, getting a top 10 MBA for free is probably as it gets since you can't get Stanford or HBS for free. There have just been 2 somewhat similar discussions by younger applicants in a similar boat: Ross vs. Reapply and Fuqua vs. Reapply. The
Ross applicant picked reapply and the Fuqua applicant picked Fuqua this year. The two applicants mostly based their situation and perspectives. Interesting enough, they were both also in a weaker positions (those were the only schools that have accepted them) and how much you think an upside you will get waiting a year, having to go through the process, and deal with your current job.
I was in a similar situation and I chose to go to a lower-ranked school with a full scholarship rather than trying my luck the year after. I was just as young - 2.5 years after graduating from undergrad. Here is what I considered as my pros and cons:
1. I had to get out of my job - I was sick of it (pretty strong reason to enroll). If i did not enroll, i would likely quit and find a new job; not a great strategy for reapplying. My job was shot - i burned myself out of it.
2. I was 24 or 25, so waiting a year seemed like eternity. I did not have much upside in staying.
3. MBA + full scholarship has exceeded my expectations (seems you may be in the same boat since you did not apply to higher ranked schools). There was still risk I would not get a scholarship/admit the year after, though it was minor.
At the end, i picked to go and not wait. I was impatient and immature and waiting a year would have probably done good to get me a bit more mature so I could get out more from my BSchool experience. However, it did not matter at the end. I would probably still do it the way i did it - i am perfectly happy with how my life and path turned out. I feel it was the right move for me. I think there is a good chance you will get admitted to H/S without a scholarship of course, so is that brand name worth the wait and a $100K? Depends on how much of a brand junkie you are (sounds like you are not, how much money you can afford to spend, and how much potential you have in your job) - that's 3 things to figure out.
As to Columbia vs. Haas - it is a big change NYC vs. Berkeley esp for someone from West Coast. If you are planning to stick around CA after graduation, then go to Haas. If you are thinking mid-west or East Coast, then you must go to a school in that region. Haas (for a number of reasons) has very low placement numbers in East Coast and Midwest (in part because nobody wants to freeze their tail in Chicago winds if they don't have to).
Congrats! Fantastic Job!
P.S. I modified your poll to reflect the third choice.