I can see how it is a huge monetary difference due to the living stipend--congrats on getting that!!!--but you sound much more excited about Temple. I think the tiebreaker hear is your URM status and how it is important to you, as well as your SO/friends/family location. If you're going to feel lost and disconnected from support systems in overwhelmingly-white upstate NY you won't do as well in med school.
The only exception here is if you truly feel that graduating with no debt would allow you to practice in underrepresented communities, or with some other passion project, in a unique way that will help you adjust to Albany. You sound like you know what's important to you.