Depends on how long the repayment terms, 15-20-30 years. Maybe like 550 a month for 30 years, but that is just a guess and I don't even know how I got it.
135K is probably still that significantly better, even without the perks. Also, you prob get a bonus at the big firm and your salary probably goes up faster too.
Big firms tend to give big perks too, like PDA'a, computers, low interest home loans, bar prep $, moving and relocation expenses, 401(k) match, gym membership, catered events, and insurance probably isn't that bad.
That being said JAG has a lot of nonmonetary benefits, those are probably the things you need to look at b/c the money situation is a one sided debate.