Without knowing more, I would say take the money. However, with more information, I might say something different. What are the schools? Have you already been admitted to the safety schools and/or the dream school? Do you have financial packages in front of you that you can compare? Do you know for certain that you won’t get aid at the dream school? Have you run its net price calculator?
Given the time of year, I imagine that you might have information from schools that offer rolling admissions but your dream school will not get back to you until spring of next year. Maybe there are some in-between options that will split the difference. Where did you apply so far?
What are your stats? The dream school might be within your grasp or so out of reach that this conversation is merely hypothetical.