got a 20k/yr "deans scholarship" in the mail 3/1ish...never submitted a need access...
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The decision is split between the three becuase they are all great schools and offer their own pros and cons. Since you mentioned Chicago, NYU, Columbia, and Harvard in your post, you are either a city person or you plastered the T14 with applications. If you are the former, Penn is almost certainly the place for you. The staff/students are great, it is in a decent-sized (and quickly improving) city, and it places well in both NYC and DC (two other large-city legal markets). Charlottesville and Ann Arbor are fairly-small college towns, and a city person could quickly get bored. If you aren't a city person (or you just don't care about location) then a visit to all three would be the best. The only meaningful differences are in class size, facilities, clerkships, and placement, and most of those are small differences or matters of preference. You just won't find any consenus on this (or any other board) becuase there is simply not one of the three that is objectively "better" than the others.