Can your parents afford gaTech or UMD without loans? Because yes there are academic and environment differences, though you wouldn’t “recoup” the financial difference.
If your parents would need to borrow for you to attend these OOS universities, then, no, UMD and GTECH wouldn’t be worth it.
The 5.5k federal loans that you take on yourself would be OK if you felt okay about it.
Personally I’d pick Oregon State+ Honors and do very well (and use some of the “saved” money to help pay for an internship’s summer housing anywhere in the US including where housing markets can be tight like CA, Boston or NYC, and also for a semester study abroad/study away.)