Low tier college with scholarship vs higher tier?

I know both universities, graduates from both, and professors at both; if you got into Penn State University Park, don’t go to East Strousdbourg. You wouldn’t be among peers and there isn’t a critical mass of kids with good stats for you to “find your niche”. Most students just aren’t into learning OR do want to learn but haven’t acquired the skills to do so previously, and struggle. There are serious students, of course, but they just aren’t the norm. Unless you’re fine being the only student in the class who’s done the reading, it can be isolating - not to mention, boring or painful. In addition, the State of Pennsylvania consistently underfunds the PASSHE schools; it’s only very very minimally responsible for Penn State’s budget so even though it underfunds Penn State too, its effects aren’t as visible. Quality of peers and access to resources do matter.
If you mean that you got into Penn State Abington or another branch, then the discussion is different.
How much would Penn State cost you? Can your parents afford paying for Penn State out of pocket?
I assume you’d have to take the federal loans ($5,500) but in this case it’d be a wise investment.