I faced a similar decision, and went with the lower school that offered me a full scholarship. It is very freeing to know that I will graduate from law school with no debt. I am also a non-traditional student, 39 years old. I am very happy at the local school, but I am still keeping my options open as far as transferring to a different school, but only if I can get into a top 4 or 5 school. For now, I am just focused on being the best I can at this school. Hope it works out for you, whatever school you choose.