Yes you need to talk to your parents about your budget for your colleges and universities. Are your parents prepared to pay anywhere from $60k to $100,000 a year for some of these schools?
Also, if you’re planning on medical school, you are typically on loans for medical school, unless your parents have saved $400,000 for that? There is very, very limited funding for medical school. It’s either loans, or the Bank of Mom and Dad. We were fortunate that we had been saving for quite a while for our daughter when she attended med school. All of her roommates were on loan, loans, and more loans.