Thanks for your input everyone.
walker44, my partner is just finishing his MFA in painting at Tyler and the program is great but it is not designed to establish you as an artist like they say some of the top schools do. However, some of my favorite work comes from Tyler alum and they go on to do great things. one of the people who interviewed me at Yale (William Villalongo) is a Tyler alum so you see where that got him. also, if we are basing these ideas of "top schools" off of the US world and news report we need to keep in mind that the list was last updated in 2012. I believe a school like Rutgers is just as good as Tyler and other Top 10s so it is not like I would be sacrificing a great education by going there. Both Tyler and Rutgers were recently on the list for "best bang for your buck" which is making them way more appealing to those artists entering grad school who would be in a good place to continue making work post grad school.
also is seems like the attention students receive from faculty at schools like Rutgers and Tyler is way greater than the top 3 schools. these faculty members are dedicated to making their program the best and will do whatever it takes to help you succeed, and if you are really great, you stick out in a program whereas you might fall by the wayside in others.
and if major art critic Jerry Saltz believes that a student shouldn't pay to go to a top school then that is really something to consider.
still deciding, but this is all great feedback to consider