The COA at UVM as an OOS is $55,442
http://www.uvm.edu/~stdfinsv/?Page=tuition-fees.html&SM=tuitionsubmenu.html
Where is the money coming from? The only thing that you are guaranteed is $5915 in Pell and a $5500 loan. Thisis not an affordable option for you.
The cost of attendance at Bing is $23,619
https://www.binghamton.edu/admissions/cost.html
Your financial aid package will most likely include the following
TAP (NYS Aid) $5165
PELL $5920
SUNY Tax Credit $1435
Loans $5500
total $18,020 GAP = 5599
Did you get SEOG, or Work Study
Were you admitted through General Admissions or EOP?
In addition apply for the NYS AIMS scholarship through HESC (first come first served). It will be $500/year but it can be book money. Application will open in the spring
https://www.binghamton.edu/admissions/cost.html
When you say that you are in the top 10%, do you know your ranking? Do you know if you will be eligible for an academic excellence scholarship from HESC?
No matter where you attend, you need a summer job (you probably need a job starting now, to help defray some of the cost). If you are in NYC, don’t worry, Bing will probably have an admitted students trip during the week of spring break where they will send buses to NYC to bring kids up.
At the end of the day, you will be attending where your money will take you. Worse case scenario, you have tossed in a CUNY application which will be a financial safety.