To me it seems that it really matters on what your ultimate goals are. If it is to improve your chances for med school, then you might as well just go for the MS at the best school you can get into and do well. If your ultimate goal is a Ph.D. you might want to consider waiting a year, and applying for Ph.D. programs as you will get full funding. Another downside, is that some Ph.D. programs will give you advance standing with a MS, but for most top programs you'll end up having to start as if you were a first year. You should talk to the people at Stanford and see if there is any possibilty of you getting funding from various sources, (ie RA, TA positions ect). Does the MS program allow you to continue on for a Ph.D., or will you be in the same application boat in two years, just with more debt? Also with your GREs you might have a good chance for a NSF or Department of Defence Fellowship (although a lot more goes into those applications, and you would have to wait until next year to apply). If Stanford is where you want to be, and you can afford it, go for it, but keep in mind that by waiting a year you could save yourself a ton of money, but I wouldn't give up all hope on finding funding yet. Another school to look into in the Bay area that I believe has a biological MS program with funding is USF. If you don't go, I would recommend doing some sort of science research in the time between now and next fall when you apply for Ph.D. programs; heck that way you could earn money instead of paying for it, in addition to increasing your future applications chances as taking some time off between school can be seen as a good thing to adcoms. Anway Congrats on the acceptance!