I am going to presume you are transferring since this is in the transferring thread. Go to Columbia hand down. An additional $20K is very small and the job prospects are a shitton better. In the current economy your odds at getting anything at GULC are close to none as a transfer (I don't even think top 25% at GULC is even going to be safe this year in OCI). Columbia/NYU, on the other hand, at least give you some shot. They are getting hit hard still (unlike HYS) but I would predict Columbia/NYU won't be outright screwed like the rest of the t10.