Hello! I too was choosing between Rutgers and Columbia. I loved both programs, particularly Rutger's VAWC certificate. But ultimately, after interacting with the staff at both schools, looking at the financial aid package Columbia offered me, and doing more research on their programs, I chose Columbia. My opinion is if it's only $16,000 more, choose Columbia if you like the program more. $16,000 is not a lot of money over the course of 10 years, the price is worth going to the school you like better (if you do like Columbia's program more.) Especially if you do the Public Service Loan Forgiveness Program, which I have been doing for about a year, it's worth it. People invest in lots of things, and lots of those things aren't guarantees. The way I see it, a degree is the only investment you make that will always stay the same. You can always say "I went to Columbia" after this investment, no one can take your degree away from you. If you are willing to invest in a home or a business or whatever, which people do all the time, investing in yourself and your education is worth it. Of course, if both programs offered are the same for you, and neither is better for your career path/preferences but instead their programs seem equal, choose the one that costs less because Rutgers is also a great school. But if you are leaning towards Columbia but are hesitant because of the price, my advice is it's worth it.