There are SO many factors that go into choosing a program, and cost is an important aspect but certainly not the only one. Try making a pros/cons list, and listing your priorities in order of what is most important to you in a school (location, time length, resources, fieldwork opportunities, research or clinical focus, NBCOT pass rate, the "vibe" you received upon visiting, and COST, etc.) Also be sure to consider not just differences in tuition, but housing/cost of living which can make a big difference, as well as any financial aid or scholarships available at different schools (though almost all OT schools offer very little free aid.)
This was something I struggled with between two programs as well, and personally after considering all the different variables chose the cheaper option. If I had only been accepted to the more expensive option, I definitely still would have attended and feel confident I could have made it work, just would be paying back loans for a very long time. Though the school is lesser known and not in my ideal location, I really like what I've learned about the program, have had great interactions with the professors and students there, and believe I will be successful there. The enormous cost difference (~100k vs 40k) solidified my decision.
Ultimately, chose the school that you feel you will be most successful at. If you go to a school that is cheaper but fail or drop out due to being miserable or struggling there, its going to be a lot more costly than succeeding in becoming an OT and paying back extra loans for the more expensive school. Good luck!