If you want to practice in FL, go to Stetson. Forget the debt. Normally I sould not advise that but between the two I KNOW Stetson (if you do well) will get you a good job in most the big markets in Florida. I live outside of Tampa and almost every firm I am familiar with has a HUGE percentage of its lawyers that went to Stetson. Even the really big firms. Rates on student loans are great, you have forever to pay them back, cost of living down here is not bad, and the quality of life is excellent. The school is near some of the most beautiful beaches in the world. I guarantee that you will be happier here that in St Louis and that a degree from Stetson will get you a good job in FL if you do well. Anyway, good luck in whatever you decide!