Wow, thanks for all of the comments! I did not actually realize that most science PhDs are fully-funded. In all honesty, I will most likely end up choosing to attend Yale (it will cost my family a total of ~120k). I’m still not entirely sure what my career path will be, but I am definitely more of a STEM type of person. Keeping the money for grad school is primarily because med school is a possibility that I am considering (though admittedly, not a huge one), and even if I don’t end up using it for grad school, the money could still be put to good use in helping me kick-start my life. On the other hand, I’ve realized that although my (Canadian) safeties are good academic fits for me in the sense that I will be challenged, they leave something to be desired in terms of their environment/community and lack of breadth. Not ideal for someone unsure of their career plans!