Hi Hoping,
I'm in a similar situation. I was accepted into a Masters program at Stanford, but with zero funding. I visited and loved it. It really was/is my dream school, dream place, dream(ish) faculty! My loan debt will also be close to 100,000 after completing the masters, and I'm having a hard time accepting the decision with that kind of financial stress looming over me. I also got into Penn with 13,500 and a program at U Chicago with half tuition. After talking to a few faculty from my undergrad, I've decided I must take these offers seriously and go visit.
I'm wondering, what is your impression of Penn? Fortunately, since I was admitted so late, I have longer to decide and can plan a quick visit there for next week. Did you visit? Have you talked with anyone there?
So many people in my life are saying I'd be crazy NOT to go to Stanford, but they also won't be the ones dealing with this debt after my year in paradise is over ( ).
Let me know what you're thinking about Penn!