School D (and the additional $60k over 4 years), she would just have to make me believe that D was the path to something or somewhere that she really wanted to be. A launch point, or at least a significantly improved one. Then I would pay. If I couldn’t pay, would let them borrow only if there was clear ROI for repayment. Examples: investment banking, Big 3 consulting, elite graduate school or PhD program, Silicon Valley, etc.
Rankings, prestige, weather, the “experience”, because it feels more like Hogwarts, dorm rooms, how people dress there, and the equivalent aren’t likely to make me open my wallet any wider.