It isn’t a matter of hitting it rich at MIT. It is a matter of MIT affording unique opportunities that usually pave the way to outstanding job opportunities. That isn’t to say that other top schools don’t provide opportunities but they are often not as plentiful.
Paving the way may be the wrong expression because every MIT students pays heavily in terms of effort. Few other schools have as heavy a group of core requirements that are invariable in addition to the rigor of the major courses. There is no broad menu of classes to choose from-2 courses in physic, 2 in calculus, chem, bio-no dummy down courses-no Math for non-majors. On top of that, there are 8 humanities courses. MIT ensures that graduates are clear thinkers-something employers can bank on and they are good communicators-something graduates of some CS programs are not.
So as UCbalumnus mentions, MIT has " relatively heavy general education requirements" but those are what makes MIT grads stand out from grads from other good but not extraordinary schools. it is not an easy road for any student. Just like entering the best of anything, there is usually something that fuels its place as number one. MIT’s rigor is near that top of the list there. Whether that is viewed as a strength or liability ought to be given a lot of thought. Many students choose MIT for just that reason.
Students at MIT have the opportunity for internships and externships during summer and January. I know many who made 40K+ for summer internships at places like Google, Microsoft, and the like. I’m sure that students from USCD did so too. But the point is that a CS major will probably ensure that loans can be paid back relatively easily.
Noteworth also is that MIT guarantees to meet full need. So, if they are not providing support, there is some indication that the family has resources that MIT feels could be used to cover costs.
Actually the OP says that MIT is doable without loans. If the fit is good, then MIT seems the better bet. If the fit is not good, anything else would be better.