Some advice I have recently heard is that applying to a school with a home residency program for the specialties you are interested in can be advantageous.
BSOM Residencies
RUSH Residencies
Dayton, Ohio, will certainly be a bit cheaper than Chicago, but in the grand scheme of things, it’s not going to vary too much. A net difference of $20K to $45K one way or the other genuinely will not make a difference. Look at debt as a tool for yourself. Medical school is expensive, and there is a price to pay, but with good financial planning, no matter the debt, you can come out ahead and enjoy a great life. This will be one of the biggest investments in yourself, and the best thing you can do is choose the place where you believe you will be happiest and most successful. There’s a costly ticket to pay, but if you play your cards right, you will be more than fine. I don’t think the difference in cost is enough to sway the decision one way or the other. An in-state school for $30K vs. a school for $150K a year might shift the dynamic, but that’s not the case here.
I think there is much to gain socially, professionally, logistically, and culturally from being in a city environment. Personally, Dayton feels like a very well-sized city - not too big, not too small - but the faster-paced culture, access to more opportunities, and stronger networking in a larger city as I imagine, make it easier to land a competitive residency. As more time goes on, my appreciation for networking and more positive interactions with more folks is the best way to "move up the ladder". BSOM matches very well too, but its placements seem to be heavily concentrated in the Midwest and East Coast, with far fewer matches in the West. Rush, on the other hand, seems to have a broader reach, frequently placing graduates in California as well.
Your interests may change in medical school, so attending a school with a strong network across a wide range of residencies can be beneficial. I seriously think both are great programs that will support you in reaching your professional goals - pretty much most US Med schools are, the difference maker is you and how you play the cards.
This game is all about removing as many barriers as possible to maximize opportunities and increase your chances of success. I think you need to sit down and evaluate where that may be the
best for you.
Aim for the best program at the lowest cost, without sacrificing a standard deviation in quality. "Quality" and what it means is a definition only you can appropriately determine.