hi there... congrats on your acceptances! i'm a fourth year phd soc student so i can tell you what i've "heard" and the general outside thoughts on both programs but as i'm sure you've been told, it's YOUR decision.
the chicago soc program is known for being cut-throat. i would say there and ucla are the most notorious for such an environment. i don't know if this is something that matters to you but some find it difficult to work in a place like that. also, yale is pretty small compared to chicago so the environments will certainly be different.
chicago is most certainly ranked higher than yale (i would guess top 5 versus top 12) but rankings in soc phd programs are tricky - they're both good. chicago might open some more doors for you but so long as you do good work you'll be positioned well for the job market no matter where you go.
the money issue... the last thing you want to worry about when you're getting your phd is money. worrying about money or finding ways to make more money distract you from the purpose of why you're in school: to get your degree, which means writing LOTS. not having funding can actually prolong the amount of time it takes for you to get your degree because you'll be trying to survive rather than actually get your work done. i've seen this happen to lots of my fellow grad students... and it plays a role in why people end up dropping out of phd programs - especially soc programs where the avg time to degree is seven/eight years.
hope this is helpful - if i can help any more feel free to message me. i wish someone would've helped me when i was making my decision!
