Thanks to all for your input. I'll just add to clarify: my total debt for JH (including interest) would be 90K (originial tuition costs ~ 62K). I already declined at VCU, which is why I would be waiting a year to go there, plus its a 2 yr. program instead of the 1 year at JH. After a year of working beforehand, I could graduate from VCU with minimal debt.
To pshs_2000, thanks for your message! I can't pm you back, I think because I'm a new user, but your advice was very helpful, and I hope I answered some of the confusion above.
Thanks again to everyone!:redpinkhe