Sounds like you really like BU and Boston over UMass and Worcester but feel bad passing up a significantly lower tuition. What is your financial situation, will you be taking out full loans? You will get a fine education at UMass and you'll be able to do what you want to do, but you will have more opportunities, fun, and fit better at BU and Boston. Even if you take on the BU debt, you'll be able to pay it off eventually. It won't ruin your life, but it will take a few years more to pay it off. Are those resources, opportunities, and living in Boston worth an extra $100,000 plus interest and living fees?