I suppose it all boils down to what matters most to you personally. Do you want to be in a "better" program (though I don't know anything about the programs, I'm just going off your words) or be close to home, family, your boyfriend, and save money (I guess how much also matters.)
The one thing I've learned (if anything) is that once you decide what your priorities are, stick to them. For me, I tried the ambition thing full blast before, and it worked for a while. I was successful, independent, had an expensive prestigious school's degree (note: the actual paper the degree is printed on is probably only worth 20 cents, plus another 10 cents worth of ink) and had all my ducks in a row, laa dee daa. Then I crashed, because none of that turned out to be important to me in the least as far as happiness.
But, on the other hand, many people thrive on that type of adventure. It's totally dependent on the person. So, if you can take some time to sit back and reflect on the decisions you've made in your life and whether they've set you up for real happiness vs. perceived happiness (what others define as happiness for themselves one way or another) before you make this major decision, you'll be on much more solid footing.
Don't be afraid to talk to people you're close to either--you'd be surprised how much they may know about you that you hadn't noticed yourself.
Hope this helps somewhat. Good luck with your decision!
