The question is likely moot. Low income, family can’t pay anything…UVM will not be affordable. An ACT 29 isn’t going to get the top merit awards and the remaining costs after aid will be too much.
Bing is fine, especially for a premed. You don’t want to have ANY debt as an undergrad premed.
Did you run the NPC on both schools’ websites? Do so…and there will be your answer.