You can only borrow $200k. You’d have to get private loans and it’d be much more than half a mil. I was talking to my derm - guessing she’s upper 40s - still paying off loans and said not close to being done.
Med schools state they give little if any import to where you attend. And if you look at residents at top academic hospitals, I believe them. See a previous post I made. Frankly even a UC is too pricey You should give this a lot of thought - your parents may need to do sign debt (not sure for med school), and $400k plus is, in my opinion, non sensical.
The choice you make for college today may very well impact the freedoms to make choices tomorrow. Debt is something that forces you into decisions you don’t want. When you are a doctor, no one will care if you went to UCB or UNLV They will care about - are you taking new patients and are you in network on the insurance plan they have.
But go back to your initial post - if you now realize going to an Ivy isn’t smart (or a UVA/UM type given costs), you can alter your list now. And you should. Let your budget direct you, not perceived prestige.