If I were you, I would think about which competitive specialty you might be interested in and contact the lower school (or even both schools) and ask them what you would need to do to be competitive. If they have a wealth of information to share, examples of students that have done it, especially in recent years, then I would go where you feel supported and save the money, especially if it is a large difference. It would be a shame to go deep into debt and decide primary care or IM is your calling. In fact, knowing you have the debt will probably make you less likely to even consider a lower-paying profession despite an interest in it.