I need help deciding between VCU and Hunter. VCU would be in state tuition and about 20k less than Hunter (including cost of living estimates). Additionally, at VCU you don't need to specialize until your second year which appeals to me as I am attracted to both macro and micro social work. However, I have lots of family in NYC, plus all the culture and opportunities in the city are hard to say no to. I also feel like my career prospects would be better going to school in NYC, and that could justify the debt I would have to go in to. Any thoughts? Is NYC worth about ~25k in debt?