My Dad thinks big loans are okay as long as it's for a Top School

OP, don’t post for us how much aid you got. Post what the total cost is oneyou apply that aid (what you have to pay outright and what you will borrow) for each school. Don’t forget to include the cost of health insurance – in most cases you will be required to purchase the school plan unless you have some unusual arrangement that covers you fully at school. And consider travel as well. Assume 2 trips home per year (one for winter break, one for summer).