At that price point, I would take USD over PLNU.
How will you get that much in loans?
You need to ask if you will get the same amount of grants if you 1) live off campus or 2) commute from home after Freshman year. COA is different for each case.
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I’ll probably end up leaving USD with around a $65,000 debt.
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Too much debt. It would be like paying for TWO extra car payments for 10 years.
Who would qualify and co-sign those loans???
Where else (besides ) Point Loma were you accepted???
Sure . . . for a family that has that kind of money to spend! But the OP is receiving a $5,625 Pell grant, plus a SEOG, which means this family is very low income. Where do you propose they get the additional funds? This isn’t about “price point,” @prospect1, it’s about affordability!
@heyarnoldman - I am sorry, but I am concerned that neither of these is affordable for you. Some kids can afford to borrow more than $27k (the federal student loan maximum) because their family can help them with payments, but your family can’t afford to do that . . . so you need to be really conservative about how much you borrow.
The adjustment in your USD package is amazing, and you should be grateful for that . . . but it’s just not enough. You have to focus on what’s most affordable. Did you apply to any state schools?
Your best option at this point would be a state school you can commute to - with your Cal Grant, that would leave you with ZERO debt! Your second best option (if you don’t have a CSU or UC admit within commuting distance) would be a local community college for two years, followed by a UC or CSU for two years. Because you’re Cal Grant eligible, the two years at community college would be completely FREE, and your debt for room/board at a CSU/UC for the remaining two years would be no more than $15k (total after both years!), and it could end up being even less.
If you have a CSU/UC admit within commuting distance, take it! If not, then relax . . . the deadline for community college registration is NOT today!
Please keep us updated as you what you decide . . . we’re all hoping for a good outcome! 
OP you are trying to hard to get into debt. You cannot afford these two private schools.
Plus, given your EFC, your parents would not qualify for that kind of loan. How would they repay it?