hwbcn12345
The one line that does it for me is: "in a very lucky position to not have to take out any loans to pay for school"
Whether this is because of your own industriousness, that of your family, or sponsorship from an employer, I see that as the clear point of rationale to go Kellogg. The reason to go to Stern would be because its free - that's your doing, bravo. That's not a selling point for you, however, so ignore the temptation (read: distraction). When it comes down to brass tax, you are willing to acknowledge that $150K is negligible. Maybe try writing $150K is negligible on a sheet of paper 50 times and if you still feel that way, choose Kellogg, if not, re-open Stern to consideration. Stern folks are great, but different than Kellogg folks. If you didn't click, I would worry those feelings may persist during your time there. While it may be a challenge to land a NYC MBB offer from Kellogg, consider it equally if not somewhat more challenging from NYU, so discount that argument.
Agree with everything here except that it will absolutely not be a challenge to get into a NYC office, at least not anymore so than any other MBB large office. If the $150k is truly negligible to you pick Kellogg. Otherwise pick stern.
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