I’m not the FA expert. Others on this forum are.
However, do not go into $100K debt for undergrad. It is not worth it.
Repeat: It is not worth it.
If you have excellent grades, see if you can “chase” merit aid. One strategy that I’ve read on this forum is to find schools that 1) give great merit (Alabama) and 2) where you are in the top 1/3 of their applicant pool.
Apply to several of these schools and see what they offer you.
To do this research, there are websites like one called all one word college navigator and one called college data. Just type in your favorite college and see if it’s a merit-heavy school. Also look at the threads on this forum devoted just to financial aid and scholarships and merit aid.
If private school is your dream, then you need to do the right amount of research to not end up in debt.
I repeat: No undergrad education is worth $100K in debt. The metric I use for my family is if my kids will end up with $25K debt or less. That’s the amount that I feel they’d be able to pay off in a reasonable amount of time.
However, with Med School on your horizon, you should be pulling that figure as close to zero as possible. Med School is expensive. You can go to med school from lower-tier colleges and universities, no problem, ones that offer great financial aid or are much cheaper.
That being said, you may want to look at the special fellowship offered at Hobart and William Smith, called Blackwell, for students interested in medicine. It offers money plus a reserved spot at a medical school in NY State. You may also want to look at the Sophie Davis program or the program at Brooklyn College, which allow you to begin med school immediately and cost almost nothing to attend. There’s a thread on this forum for Sophie Davis so that you can see what other candidates are doing to support their applications.
Best of luck