UCLA vs. UMass Amherst

Hi! So I am deciding between UCLA and UMass Amherst. I recently got off waitlist for UCLA, so I do not have much time to decide (I have to decide by Monday midnight). I live on the east coast, so if I go to UCLA it would be a big change for me whereas UMass is only about 2 hours and a half away. I’m going in as a math major. The only thing I am worried is the cost of the schools. At UCLA I would accumulate around 80k worth of debt if I go for undergrad. If I go for grad school too, it would be around 120k worth of debt. On the other hand, at UMass Amherst I would only have a 20k worth of debt after 4 years. If I go to UMass Amherst, I would probably apply for another grad school and get my master degree somewhere else. I am very conflicted right now. I would be grateful for any opinions. Thank you!