I don’t think that the experience of curmudgeon’s daughter is relevant here. She went to an excellent undergraduate college (Rhodes), which she selected over Yale, as I recall. The COA at Yale would likely have been about 10 times the total debt that the OP is contemplating, and that was about a decade ago!
Also, I don’t think the advice that a doctor is a doctor is necessarily relevant. If the OP wants to become a general practitioner, then it is true. If the OP is interested in a specialty like neurosurgery or (as it turns out) dermatology, then differences in the opportunities likely offered by the University of Michigan vs. Central will almost certainly matter. Physician’s income from salaries/practices varies by roughly a factor of 20 currently.
The OP will have to work hard as an undergraduate, to have a GPA to get into medical school. But I think that the courses and environment at Michigan will help a lot with the MCAT score. I also think that the faculty at the University of Michigan are likely to be able to write the kind of recommendation that helps to get a student into a top medical school, if that is of interest to the OP.
So I would say that assuming that no Plan B is needed, the University of Michigan is by far the better choice. If Plan B did turn out to be needed, the University of Michigan would be even better as a choice.