NYU is still a fantastic school that will take you places - especially if the program checks all your boxes! If you want to work in research and academia, maybe Harvard will give you a leg up at the start of your career, but you'll quickly find many of your peers and superiors didn't go to ivies and aren't in as much debt. Save yourself the stress of debt. You'll feel so free once you're working and able to save for a house/go on fun trips/live it up at bars/go to Whole Foods or whatever other fancy grocery store rather than stress about money because you have $40k and compounding interest hanging over your head.