For the record, I've been both in debt and broke and would advise you to take a T5 over Howard. On the other hand, I'm not sure if you should take UVA over Howard with $$$$. Question: What happens if you get into Harvard now? Would you give up the free ride then?
Excellent question. For me, Harvard is my one and only exception; in my experience, Harvard grads dominate the public policy arena (w. the law school, Kennedy school, etc), and with a Harvard degree I could literally write my own ticket. That said, if I am blessed with the option of a full ride, I can't see myself going into that much debt for any other school