Funny I should come upon this thread, as I'm currently sitting in my dorm room at U of T, preparing for my final undergraduate exam. I remember having to make a similar decision four years ago, so maybe I can be of help. First, though, some questions you should think about:
Question 1: why is Queens your first choice? I just find it odd. Queens is a fine school, but
very WASPy and with a heavy Old-Money mentality (everyone will want to know what private school you went to). Do you really want to be stuck in Kingston for four years with spoiled white-washed kids with rich daddies? If you're from a mid-to-lower income family or belong to an ethnic minority, you may feel out of place at Queens.
Question 2: Are any of the scholarships renewable for future years? It makes a big difference of Western has offered you a one-time entrance scholarship of $10000 versus a scholarship that is renewable for each of your four years.
Question 3: What are you studying, and do you plan on pursuing graduate studies afterward? U of T, for all its might and reputation, is really a much better graduate school, and (depending on which department) they don't favour UT undergraduate applicants anymore than other schools. And the UofT undergraduate program is TOUGH (believe me!) and competitive, so why not breeze through an easier school and then apply to U of T for grad work?
Question 4: Where do you currently live, and where do you want to live? This should have a much bigger influence on your decision than you think. If you're commuting, your life won't change too much. If you're moving away to go to school, though, which school you choose will affect how you will live in four years: do you want to be in the centre of a vibrant city (U of T), or a quiet college town (Western)?
Question 5: Are you eligible for OSAP (Ontario's government loan program for students, for you Americans out there)? If you are, then scholarships probably aren't as important
right now, because OSAP will just grant you more funding (consequently, if you get a big scholarship, OSAP will decrease your funding). However, if you're not eligible for OSAP, then of course scholarships will play a more important role in your decision since they'll be your main source for paying your tuition in August/September each year.
By the way, which college at U of T did you apply to?
If you have any more questions, feel free to post here or PM me. I know that academia looks
very different on the inside than from the high-school-graduate perspective, so I can give you more information on how students
actually feel at each of those four universities.
BlueWizard's blog: The Rambling Corner
HEDWIG: "The road is my home. In reflecting upon the people whom I have come upon in my travels, I cannot help but think of the people who have come upon me."