For the record if you’re full pay at UChicago, you’re not middle class - your family likely makes 225+K and middle class is about 60k.
However yes prices have gone up, this isn’t new. It started in earnest after the 2005 financial crisis and has hit public universities more than private universities (at some public’s, prices have doubled or more than doubled in ten years. It’s fortunate private tuition hasnt but it’s far outpaced inflation. A few years ago 40k was considered an incredible amount only a handful of colleges hit.)
All in all though you can’t borrow 90k. Would the money come from your parents loaning it to you without interest? Would they take in Parent PLUS loans you’d then pay back to them ?