Don't forget.. that $150K properly invested could be pushing a million by the time you retire.
By the way, once the initial shock wears off and the numbers set into your mind, turning down Harvard doesn't seem quite as ridiculous. If you do go visit, be careful of the bookstores. Seeing all the Harvard gear can mess with your head.
I would like to reiterate trying to find Harvard alums in the Toronto area. I talked to one in the area I want to practice and he basically told me it wasn't worth it for what I wanted to do in my career.