HELP: Graduate School Decision

UPDATE: Thank you to everyone who offered some insight or perspective into this. All of it was really helpful in this crazy process! I've officially turned down the MSUP and will be studying in London as planned.

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I've made plans throughout the entire summer to enroll (acquired visas, apartment, etc.) in the MSc Urban Design and City Planning (UDCP) program at The Bartlett, UCL but just received a late acceptance on Thursday for Columbia GSAPP's MS Urban Planning (MSUP) program. The MSUP gave me until Monday to decide. If you have anything to offer after reading below, feel free to help me out here. Anything and everything will help.

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UDCP | 1 year | $22,000* | London

MSUP | 2 years | $122,000* | New York City

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\When I originally posted this, I put an amount of money that my parents will be helping me with into the calculation of the MSUP. Total tuition is really $140,000. I'm going to reflect this in the UDCP now as well. I hadn't done so in the first place because the living situation is a little different there (have to pay for an apartment up front), so I wasn't really thinking of it in that way. Now both prices show this money.**

I'm married, so will have two incomes after graduation. In total, safe to bet that we'll make around $100,000 between the both of us my first year after graduation/finding a job. No funding for either program - will be all loans. I'll be able to keep my part-time WFH job throughout both programs. I know there's a well-known idea that it's unwise to take out more loans than you'll make in your first year, but what's your opinion on this situation?

There's more cost to pursuing the MSUP as I lose a year of income that I would otherwise be getting after graduating from the UDCP program. But that increased cost comes with instruction from the faculty at Columbia and the resources/connections/alumni network that is probably a slight step up from UCL. Not sure if it's worth it though. Fire away any and all opinions!

I'm not set yet on where I'd like to live or find a job. Both programs/schools offer great opportunities for their respective regions. The faculty from Columbia come from MIT, Tufts, Harvard, UPenn, Columbia, and elsewhere. Faculty from UCL come from Portugal, Italy, England, Spain, etc (obv more Europe-focused). Experience-wise, I think we would enjoy London more. Between NYC and London, I could see myself working in London, but not quite in NYC (at least long-term).

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Thanks for reading.