I think that U.Mass Amherst is very strong for premed. If you attend there, you will discover that the premed classes are very challenging, and that there are many other very strong students in your premed classes.
When you graduate in just over four years from now, you will be very happy to have no debt or very little debt. Debt of $100,000 for a bachelor’s degree would be a huge burden for many years, if not many decades.
I work in a different field (a part of high tech). However, I work with many graduates from U.Mass Amherst and the best of them are as strong as the best MIT and Stanford graduates that I also work with. The main difference that I have seen is that the average age of the MIT and Stanford graduates is older – as the price of private universities keeps increasing it seems that more and more very strong students are choosing to attend very good in-state public universities such as U.Mass.
I think that this is an easy decision. Minimize or avoid the debt, and attend U.Mass.