I think for what you are studying, going to Penn won’t be a huge advantage in terms of outcomes. If this was Wharton, the logic would be different, but even then with the money it would be a tough choice. But don’t forget that Emory is a great school in an area with warm weather, and you can be very successful from there especially considering the perks of being a scholar and the financial advantage you’ll have. In this case, probably taking the full ride will be the best option - go to a great school, save a lot of money, and start your life after college pretty well! Congrats!