I’ll probably choose Stern over INSEAD for your case. Having a 2-year program seems to be a much safer choice these days as it allows more time for the economy to ease into recovery, and has lesser adverse impact on your internship and recruitment opportunities.
Lower cost for INSEAD does not suffice to be a merit here as what you’ve wrote since you’re getting full ride at Stern. Be sure to aim for dorm living at Stern and you could save tons of money and pretty much enjoy 2 years of New York living.
Also do evaluate the differences between the two programs (eg 3rd language requirement for INSEAD) and locations (NY city vs Fontainebleau suburb; ease of getting post-grad work visa, etc)
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