UNC is one of two publics to meet need OOS - but meeting need does include loans.
In the grand scheme of things, $10K is probably not crazy - and if you said you wanted I Banking or Finance - perhaps the edge UNC would give, even if you don’t make it to business, would be worth it.
But when you say business and communication - I assume finance isn’t the goal.
KF is a fine business school. I don’t know the current acceptance rate but an article from 2019 shows 50%.
So if you could be ok with an Econ major and business minor - or Comm major and business minor - then I suppose it could work.
But a Comm major wouldn’t be worth any debt - IMHO.
If shes’ looking for consulting or I-banking - and both are possible from UF but more likely from UNC - then I can see it.
Also, what does mom think - I mean, mom is responsible for the debt - is mom willing to pay it?
If you want to justify UNC, you can.
But looking as an outsider, it’d be hard to do so.
What part of Florida are you from? People want to go out of state - but if you live in Mimai or Fort Myers, etc. - then Gainesville might as well be OOS 
As a parent, it’s got to be tough to let your really smart kid leave the state!
You talk about havinig to take a $10K loan - but I bet the cost difference between the two is more than $10K - so that’s more money in your wallet - for vacation, retirement,grad school…whatever it is.
So I’m guessing it’s not just about $10K.