Even if they were top 100, it wouldn’t matter.
You can do marketing with any degree. The bigger question is - what do you want to study? Business - assuming marketing - and a social science - whichever it is - are vastly different.
Why 192 vs. 120 - are they on a quarterly calendar instead of semester?
Ultimately - it’s your money - your choice.
FAFSA will get you access to the $5500 loan - and nothing more.
Good luck.