It is a lot to pay. Period. Schools like RIT are completely a pipe dream for our kids b/c they are totally out of reach financially. Getting a solid UG education with plans for grad school does not require that level of debt.
If that is the route you are planning, I’m sorry, but I am absolutely zero help from that direction. Our ds is going to UA b/c he earned full scholarship. He could have gone to much higher ranked schools for the level of debt you are describing, but from our POV there are students from UA’s physics dept attending top schools like Stanford for grad school. Accruing that kind of debt was just not a good choice.