My program is in education, and I completely agree with you about the rankings. I was using them to avoid naming the programs and to give a general idea of what I have to choose between. However, the program reputations pretty much match up with those rankings, and as far as subfield is concerned, the higher ranked program I mentioned is also ranked #1 in my subfield (I do not know how the other one ranks). When I applied, one of them was a school I wasn't sure I would get into because of how competitive it is, and the other was one I was fairly confident I would be accepted to because it isn't nearly as well known. The programs both fit my interests, and they both seem great from what I have read about them. I don't actually think the lower ranked program is lower quality by any means. However, I know that (unfortunately) names do carry a lot of weight, and I want to make sure I will be in the best possible situation after I graduate...BUT I don't know that the debt is worth any possible advantages when it comes to getting a job.