Curious as to why she applied to different majors at each school. Illinois doesn’t have neuroscience, but does have Brain and Cognitive Science. It should be straightforward to transfer majors within LSA/LAS at either school.
I am in the group that thinks UIUC for $1,300 per year is unbeatable. It’s an excellent school, no reason to take out loans to attend Michigan.
It’s not clear how much in loans you will need at Michigan, but will the parents qualify for as much as is needed over the 4 years? (student loan max is $27K over 4 years) If total loans are near $100K for Mich, that is going to require $1,000/month payments for 10 years, a typical neuro or chem major won’t be able to afford that.