I applied to Union for their MDiv (which I was advised to do because, apparently, from these academically top schools, the three year degree is more competitive). I think it's a fantastic program, but beware the cost of living- although I got a full grant, the other costs and fees would have been covered by a substantial loan. For that reason I chose a school with an endowment, unaffected by our lousy financial market. Living in NYC comes with it's price tag, and I just can't afford increased student debt.