When considering schools for a future graduate degree in physics, the discussion highlights the importance of finding a program with a strong foundation in particle physics, as well as the availability of research opportunities. The participants note that all mentioned schools, including UVA, IU Bloomington, and UMass Amherst, have respectable undergraduate programs and research groups in particle physics. Cost is emphasized as a critical factor, especially regarding potential student loans and future financial obligations during graduate studies. The recent offer of a full ride to UMass Amherst, along with an invitation to the honors college, has sparked renewed interest in that institution, prompting a comparison with the previously considered schools. Overall, the focus remains on the quality of the physics program and financial considerations for undergraduate education leading to graduate studies.