The business I want to "expand"/start involves alot of legal experience. It would probably take four or five years of me working as a lawyer before I could go solo. Anyways, long-ish story.
I'm applying to NU as well as a few others.
First of all, you're me as far as numbers go. I'll PM you my LSN data.
Also, the $20K Penn puts up is for the YRP, not the GI Bill. The GI Bill is a fixed amount annually. This year, it's $20,235. The YRP is the amount the school puts in additional. The VA matches the school's YRP contribution as well.
So, for Penn: $20,235 GI + $20K YRP from Penn + $20K YRP from VA = FREE!
See the link here for a spreadsheet I created of the top 50 or so law schools and how they break down for vets (including the housing allowance): 2014-15 GI Bill + Yellow Ribbon
Spoiler alert: If your school isn't free...it's probably close.