Here’s my advice, first off, Of all the “premed” hopefuls coming out of high school, very few actually decide to go to medical school. College is a maturation process where students learn where their real passions are. I would suggest going in with an open mind.
Second, You have some great accomplishments. If I were you, I’d go for a scholarship. You seriously can’t go wrong. If you choose medical school, you’re going in with no debt. If you decide against medical school, you have no debt. Also, graduating in an honors program is actually a tangible accomplishment you can put on a resume. No debt is better than debt any day of the week!
Regarding “dream” schools…there’s no such thing, only fantasies. Chances are, that school is going to be a lousy expensive fit. It’s important to keep an open mind with the application process and choose a school that truly benefits you. A scholarship is a true tangible benefit. An honors program is a true tangible benefit.