my kids gave up top schools (we were same boat as you when it came to getting aid)
so they would not have debt and are working with kids who went to the top
schools (MIT, cal tech, John Hopkins, RPI). They are engineers. I wouldn’t take that kind of loan out for architecture. A family member is a well known retired architect and I know he would say it was crazy. He had his own firm and hired architects. School didn’t matter but what you did mattered. Having a dream now at that price would mean less dreams in the future. Debt will own you and chain you from future choice and needs.