OP, you are significantly undervaluing Wisconsin. Go to Wisconsin, major in Econ, take a lot of math, take advantage of opportunities for internships. Invest the money you save and continue beating the market. Graduate debt free and with enough savings for grad school at UPenn or wherever. Chances are, by that time your interests will have changed or, if you really are ‘best of the best’ material, you’ll be the brightest light on the tree at Wisconsin and will have all kinds of opportunities. Frankly, no investment bank is going to be impressed by a candidate who went into significant debt because s/he thought studying at one of the best flagships in the country wasn’t ‘worthwhile’.