I feel like there are so many things that will factor into the ranking residency programs, that it would be unwise to prioritize T3 over T10 with a significant financial difference. There might be other reasons to pick one over the other, such as prestige, making your momma proud, connections, research opportunities, etc. Those differences are slight, but still there.
However, if we are only considering residency opportunities, there are just way too many variables. Your specialty of choice can change, preferences can change, and your opinion of schools and their specific residency programs can also change, especially during the interview season. Some people hate the vibe at some of the top programs (take a look at some of the specialty-specific spreadsheets on Reddit.) My main point is there are many considerations that are currently unknown.
The best advice I have gotten during the med school application cycle was to not let my decisions be controlled by unknown variables. You have no idea what your plans and attitude will be like 3-4 years from now, but fortunately, you do know where you have been accepted right now and the difference it will cost you. Instead of worrying about unknowns, use the information and facts that are currently available to make the best decision possible. That is not to say that you should ignore thinking about the future or having a plan in place. Rather, don't let yourself equate current advantages to potential future benefits. Don't fall into the trap that losing money now by going to a T3 is worth maybe getting more money later on down the road. There is no guarantee that going to a T3 will get you better residency spots in more competitive specialties. Nor does it guarantee that you will have better job offers. In fact, I would assume that there would be no real difference between the two schools. What I can guarantee is that the T3 will drain more of your financial resources right now. For me, the financial difference is too large to overcome the minimal current benefit one would gain by attending a T3 over a T10 or even a T20. Of course, the choice is always yours!