Well, I will try to answer your question in a more friendly manner.
Not everyone can afford an expensive bike . I don't know your budget, but neither is a GREAT bike. If you just need to exercise or want some pleasure in an occassional bike ride , they will do. If these are what you are looking for, just pick the one that you feel fits you best & has the most comfortable riding position. Not hardly any difference in them.
WalMart Schwinns seem to be the cheapest Schwinns available. They are USUALLY not assembled well AT ALL. I have known people injured while trying to ride their NEW bike ! I had a friend bring a new assembled WalMart bike to me, & it took me almost an hour to get it in good riding condition. Our local Target store sells Schwinns & they have a guy who takes his time & knows what he is doing .
Another alternative, would be to look at used bikes & take a bike knowledgable friend along to help . Sometimes, you can get a great deal on a good quality used bike for less than you pay at the 2 above mentioned stores for a cheaper quality bike. Or, save a little more cash, & look at other brand name bikes, such as Giant, etc.
Good luck !