MD and MD/PhD programs are generally reach to high reach (pre-meds who apply usually apply to a dozen or few programs; most get shut out, and most who do get in get only one admission). So you should not plan on getting into any specific MD or MD/PhD program, particularly any that are free or cheap which will be the most competitive to get into. If you get into an MD program, expect to see costs of $400k or more – any lower cost (e.g. in-state public) is a bonus, and getting into a free one should be treated as success beyond your wildest dreams.