The University of Florida is a very good university.
Aren’t UNC and U Florida ranked essentially the same? For example, while rankings are not important, I thought they were literally tied on the US News ranking. I would expect the opportunities to be about the same regardless of which of these very good universities your daughter graduates from.
I would avoid the debt. $40,000 in debt is a lot for a new graduate.
By the way, one daughter was not happy that I would not let her take any debt at all for her bachelor’s. Four years later she took a dream job that she could only afford to take because she had no debt. This led to a second job, which was a huge help for admissions to the graduate program where she is studying right now. She thanked me for not allowing her to take on debt.