If I had the choice, I'd go for Rutgers. The difference in quality, based on what i've seen, isn't worth the difference in price--rutgers could easily be a better fit and place..especially for a photographer. closer to nyc too..and a safer place to live.
Hey, I've visited rutgers and it's much more laid back geographically than UPenn-- it would be an easier town to live in. although west philly is pretty laid back, it's a city-- new brunswick isn't.
I don't know too much about the programs. Rutgers, I went to their open studios and there was some pretty interesting stuff-- great faculty too. Upenn's faculty I saw in action about 6 years ago-- some strength there.