I am in the same situation... Penn or U of Mich. I chose U of M not only because of the money, but because it is a good school and I know I'll be happy there. I may wonder about going to Penn, but I'm going to wonder about a lot of things in life. If I went to Penn, I would probably still wonder what would have happened if I went to U of MI. It is an exciting time... but do what your heart feels is right. For me, going to my state school was the best option. You say that Maryland is a great school... go there... do you like the cirriculum set up? clinical stuff, research stuff?? I guess first lay it all out with out the money being a factor at all... location, experience, closeness to family/old friends, etc etc.... see where you fall... then factor in the money last... you may be surprised at your choice even without the money factor.