I was born outside the US and I had never even heard of SAIS before I started looking at graduate schools, and had heard of Georgetown as a place to train excellent US diplomats. On the other hand, as my family is a UN family, we met Fletcher people. Part of that is reflected in that it is the oldest school for IR, so naturally there is that bias. Further, I know several people with Fletcher degrees working in the Middle East etc., all for employers other than the US government, so the idea of tapping into that network is very attractive.
Of course, when I started researching schools, looking at rankings etc. I tiered my schools and my choices, binding Fletcher to Georgetown and SAIS. I particularly liked the idea of SAIS as so many people work for multilateral organizations, so I was hoping for a bit of money from them, but all's well that end's well. This was my thought process, and I am sure it will be different for other people. One should just be clear about it and then relax.
As far as the financing goes, I had a terrible ordeal with my undergraduate debt from a US college, and from now on I hew firmly to the idea of having as much loose change in my pocket as possible. I would rather take a trip to either south africa or brazil, or either buy a car, or, in this terrible economy, gifts for my boss.