If you got waitlisted at Harvard then my hunch is you will do well enough at SUNY to get into a medical school. If you don’t get good enough grades at SUNY then you probably would have had a hard time getting good enough grades at RPI.
On the other hand, it looks like you need at 3.4 at RPI and would need closer to 3.8 to apply from SUNY. Additionally, no MCAT needed at RPI and you would need to take the MCAT coming from a SUNY.
So, you get admitted to medical school with a much lower gpa threshold and no MCAT required for the cost of $150,000.
How will you get 150,000 in loans,? Do your parents plan to cover some or all of this amount for college? Definitely try to get any extra amount from RPI. Talk to your parents for exact numbers so you know what size loans you are talking about. Don’t forget that for many families, after the first year or 2 of parent plus loans, they might not qualify for the additional loans for the last year of undergraduate. It depends on their income, assets, etc. Make sure you have enough money to complete all 3 years if you choose RPI.