Is that $10,000 per year in loans in addition to the federally funded Direct Loan? Or is that the only loans.
The schools are both fine schools. The direct admit at UF is important to consider.
If possible, I think debt should be kept to a minimum. Any loans above the Direct Loan amount ($5500 for freshman year) will either need to be cosigned or taken out by you parents. Are you willing to do this? Those additional loans will be in your name.