An extra $10K could easily mean three solid trips with your business school peers!
Joking aside, I would vote for Kellogg on this one. I don't really see a lot of difference in the two programs except Wharton's slightly higher reputation.
At that point, it is a very marginal improvement in your bragging rights (thanks
bb with that excellent airline analogy). I would take the money at Kellogg. It may not seem a whole lot in the grander scheme of things, but financial flexibility is a great-to-have in business school, and it also opens more doors to taking risks. I, for some reason, always have the loan-repayment ghost lurking at the back of my wardrobe before making any career decision. Not having to do that would make me feel a lot more, I guess, independent. I would most likely look at the startup c3ai more seriously rather than be fixated at the super big tech FAANG.
Your mileage may vary, but in all circles, Kellogg is just as reputable as H/S/W.
Congrats again on the HUGE score!