For a grand total of $20 K I would go to Michigan if I liked it better. If I had known I would have money now I would not have scrimped so much for college and medical school. You can likely pay off smaller loans but can never redo the college experience.
Different schools get different valuations by medical schools. Being a superstar, or at least a top tier student, at a “lesser” school is better than being more average at the top school. Figure out which school has the better courses in likely majors (premed is merely an intention) for you. Go to college intending on getting a degree with a future you will like outside of being a physician. You don’t want plan B to be compromised.
Ask yourself if you would get top grades at Michigan for that gpa needed. Talk to your HS guidance counselor. S/he will have seen so many students over the years S/he may know how students with your HS stats end up performing.