Better to go to expensive dream school or cheap safety?

I think you need to understand how much $30K is in relative terms.

Assume a 40-hour work week at $10 per hour; unless you are extremely lucky and get a higher salary, that’s about where your pay would be as an unskilled, uneducated, inexperienced worker.
That is $400 per week before taxes, or $1600 per month (before taxes). Your total yearly salary would be $19,200 per year, before taxes, at a full time rate. How would you make up the rest of that $10,800?

As @mom2coIIegekids has indicated, you won’t be able to get that amount in loans; they just don’t give that kind of money to students. Your parents may or may not qualify for unsubsidized loans; I wouldn’t want to take on that kind of burden.

Your “dream” school is unaffordable and unrealistic. Do you ever plan to purchase a car? A home? Clothing?
That won’t happen when you have to repay outrageous loans. You will NEVER get out of debt and you will have a really poor credit score, such that new purchases would be out of your reach. Think about that for a while. Is that what you really want from your college experience?