I got accepted into my state school that is $100k total for all 4 years and I also have the option of a dual degree. It isn't a huge school though and not well established (yet?) and fairly new program so very risky in that sense. Meanwhile this $430k school does not give any aid. If i don't send the LOI my chances are essentially 0 (but obviously we know that if I send the LOI it is binding).

This $430k school has a much better name (T30), huge network, more desirable area and is more established but I have less than $10k to my name. I have no co-signers, and no familial support (like they support and love me deeply, but they are not supporting me financially other than the family phone plan and spotify ykwim). With some rough debt calculator math I think if I want to pay off the debt by age 60 I would have to pay monthly $4,771; total interest $1,230,153.80

That is INSANE!!