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So up until recently I had decided to go to BLS, but a few days ago Villanova offered me a 20k/year (guaranteed for all 3 years) scholarship. BLS has only offered me a 12k grant for this year and theres no guarantee i'll get it again next year. I'd much rather live in NYC but Philadelphia isn't a bad town (I've visited both).

Would I be completely foolish to turn down an offer from a school in a less competitive region that would cost me 60k less in debt just to live in NYC?

If your primary goal is to work in NYC then BLS. I would say Villanova is a better deal (because it is guaranteed, not because it is more), but out Villanova you will probably be working in PA.