I feel that Rutgers is a better fit, in terms of my own interests, significantly better. There is one professor that I know would be a good fit at UF (it was my alma mateur and I know her personally), but even her specialty is different than mine. I suppose my biggest issue is that there are so few professors to choose from. However, I do feel your hesitation about the loans, hence the post!
P.S. The winters in Florida are great, but every other time Gainesville is a sauna!