Its not a bad choice in anyway shape or form. .
Seriously? Off the top of my head I can see a number of ways, shapes and forms that this is a bad choice.
He blows out his shoulder in September and is never the same...bad choice to stay and not take the money.
He falls to the middle of the first after a less than stellar season and a great season by a couple of other QBs. He misses out on $10M in bonus. ...bad choice to stay and not take the money.
The NFL implements a rookie scale that severely limits the amount that can be paid out to a draft pick and he loses out on $10M ...bad choice to stay and not take the money.
Look, I'm all for an education...if you're going to need it. He won't, and if he does, he can go back. He'll never be ineligible for college.
His stock will NEVER be higher than it is right now. It literally can't be. If someone tells you you can take $15M dollars home NOW, or you can wait till next year so you can take a few more classes and MAYBE get it then, the right answer is "where do I sign?"