Emma, despite what some will say, there isn't a correct response -- certainly not in a situation which factors in serious subjective "life stuff" that TLS-ers can only assess to a certain degree.
Posters who don't understand how a spouse could sway someone to make a decision that could cost tens of thousands of dollars [or who act like $30k is worth living apart from your spouse for 3 years while you are both still young] probably shouldn't be given too much weight here. If OP were a senior in undergrad with no spouse, the Darrow would certainly be the most practical option; even then, though, it wouldn't be a slam dunk. And regardless, this isn't the case. While these threads can be useful, I think your situation is far too subjective for any sort of consensus -- especially by internet strangers.
I'll reiterate that there is truly is no bad choice between the three. Think about it for a few days -- and maybe stay away from TLS.
