Future OT needs help deciding...

Hello everyone! I have recently been accepted to Belmont University's OTD program and Tennessee State University's MS in OT program, and I am having a HUGE problem deciding where to attend.

In a perfect world with no money issues, I would go to Belmont, which I believe has a wonderful program with great professors, facilities, etc. However, this would run me about $130,000 (including undergrad loans). TSU, on the other hand, would total around $55,000 (also including undergrad). There's also the issue of OTD vs. MS to consider...

When it comes down to it, I want to be the best OT I can be. TSU is definitely not up to Belmont standards, but the cost is astronomical. If you are a current OT, would you say experience in the field will be enough of a teacher to bridge the educational gap between these schools?

Advice from ANYONE would be helpful! Thank you!!