I consider BU and USC to be peer schools. Both are very good. BU is also ABET accredited for ME (I did not check USC because it is not affordable for you).
You cannot borrow $100,000 per year. I do not know whether your parents would be capable of borrowing $100,000 per year, but if they cannot just pay it then I would question whether they would be given the loans. It is possible to get part way through a degree and discover that you just cannot borrow enough money to complete your degree and graduate.
I got my master’s degree at Stanford. The students in the program had come from a very, very, very wide range of universities. It was hard to find any school that had sent two students to the program, with one exception that was lower ranked overall than either BU or USC (and them sending several students to the same master’s program was probably a coincidence at the time). What the students all had in common was that they had done very well wherever they had gotten their bachelor’s degree, and also most had very good work / research experience.
And BU is a very good university. My general knock on BU is that it can be very expensive, but given the scholarship that you have been offered this does not apply to you.
If you do not want to live at home and commute for your full time at BU then you can live in a dorm at BU for one year for a lot less than $100,000. If you are living on campus, it will feel like an entirely different world compared to living at home regardless of whether home is 1 mile or 12,000 miles away. However, if home is within a few hours drive, then help will be close by if you need it (either flu or a bad romantic breakup can happen to a university student).