UNC Chapel Hill vs JMU

Hi everyone, I’ve been having a really tough time trying to decide between UNC and JMU. I live in Virginia and I was awarded the Dingledine scholarship at JMU which is worth full tuition (excluding room and board). I want to do occupational therapy and JMU has an accelerated 5.5 year masters program. However, UNC was my dream school and is one of the top ten schools in the nation for OT. Obviously out of state costs are an issue but I recieved a lot of financial aid. My only concern is the fact that this aid could fluctuate, leaving me with more student debt then originally accounted for. If anyone has any advice or insight it would be greatly appreciated. Thanks!