I’ll also buck the trend of “go with the funding.” For a masters degree, nobody is likely to care or even ask about your adviser, even with a thesis requirement. Lord knows I never have.
If you are looking at schools in the same tier - one is a few slots up compared to the other, they’re likely to have similar reputations. Your description, though, makes it sound that there’s a considerable gap between the schools you got in to, and the full ride institution.
What are your plans? An eventual doctorate? A selective position in a selective organization? If so, I would give serious consideration to attending the best school you can get in to. Reputations do matter, and it’s just that much easier to climb the ladder if you’re a few rungs up. If you qualify for federal loans, the repayment terms are quite reasonable. Just live modestly during your program - get a hall director position, for example, to reduce or eliminate costs for rent.
What opportunities exist at the different schools? Do you have internship opportunities that are equivalent at both places? What alternative funding sources (being a TA, working on a research project, consulting) exist? I went to the top grad school in my field with a pittance of promised grant aid, but after talking to current students I learned that there were many opportunities to earn cash for school - it was really up to the student to decide what they wanted to do. I got grant aid from outside organizations and worked through school as a TA. The end result was that I got two job offers after being on the market for less than a few weeks - I like to think that it was because I was such a super guy, but let’s be honest - my school’s reputation definitely helped.
Last thing I’ll say is that taking loans out so you can go to school full-time, unencumbered with outside responsibilities, might be a very good idea. You will probably finish faster, have the ability to get involved in projects and activities that are great experience wise, but don’t pay. And if you’re going to make a good salary at the end of the degree and you have no debt, it’s definitely a worthwhile investment. If you’re going to start your own NGO after finishing, that might create an issue for you.