It would be hard to offer any genuine advice without a better understanding of your current financial situation. How much of a strain would an extra fifty six thousand dollars worth of debt place on you and your husband? How much does your husband pull in a year? Do you have any current debt?
They're OK, but I'd say that in most cases, the opportunities Chicago would offset these considerations. However, if you plan to do public interest stuff, it's a different story. Ask MTG about Chicago's LRAP if this is the case, I don't know how good it is.
Chi's LRAP is supposed to be the worst in teh t14. I think they give 5gs per year if you make under 35gs? MTG can clear this up.
If PI is a valid interest, then maybe NU would be a good choice. But the big time PI jobs are just as elitist as firms, if not moreso sometimes.
MTG would probably know better than me but I just got Chicago's award letter today and it addressed PI work.
Basically the letter admitted that their LRAP is pretty weak ("modest" is the term they used)
However it stated that if you go into PI, they will give you 5k a year for 5 years (so 25k total maximum) if you make 50k or less. A more modest amount will be given if you make 50-60k, and I'm guessing none above 60k. They will also bump up your award if you do PI during 2L summer. So essentially, rather than typical LRAP, Chi is giving out income supplements.