Yeah. You don’t borrow 75k or 130k. Only 27k is assured and your parents would be fools to borrow more.
You got into UVA. so it’s not direct admit. Work hard. Save the money.
Opportunities from UVA…even if you end up in a different major…are endless. And mcintire has 3 minors.
Edit:
While you want an answer to your question - and that answer can go at least three different ways depending on your ultimate desires (one can make a case for all three excluding costs), I encourage you to read up on stories of kids who take on this level of debt. If you changed the name Virginia to West Virginia, my answer would still be similar. There’s too many horror stories of people that chased a name and wrecked their lives. Graduating from any school provides no guarantee and people say X school pays a higher salary. Well sure, but rent is also quadruple other areas…and these kids no longer can get established. In my prior company (based in LA), every time we opened a job in Dallas or Atlanta…there were tons of applicants - young kids graduating college have no shot in so many urban areas today. Jobs mainly pay based on location, and not based on school attended. My son earned the same last summer, as an example, as his two Ga Tech roomies…he goes to Alabama.
Good luck.