Anytime you are paying full sticker price while others are getting a free or reduced ride means you are subsidizing them. If you find that the school is so worthwhile that you don’t mind this, well, I guess you can pay whatever you think it’s worth. However, is it really wise to pay full sticker price to subsidize others by taking out loans to do so?
It’s one thing to pay cash but another to borrow for the honor of giving others a tuition break. One might do this for an ivy league/public ivy but seems stupid otherwise.