Honestly, if you are die-hard on becoming a dentist, then do the 3-year program. Roseman isn't planning on increasing the tuition costs for the first 3 years (maybe a few thousand, but it's not going up $20k a year). Roseman will be one of the least expensive programs that you can attend if you account for $150k extra income - after taxes in Michigan $106k in income. It will be extremely difficult to find a school that will accept you and cost less than Roseman.
For example, one of the most expensive schools NYU: NYU's tuition & fees are the same as Roseman's - around $107k. But you need to account for another year of tuition & living expenses (In NY- more expensive) & 1 less year of income. So at least $150k more in debt, and 375 people are okay paying this if it means becoming a dentist (not saying they should).
If you did Roseman, would you live with roommates or alone?
Living alone in South Jordan will cost you around $1,700; whereas if you have 1 roommate $1,100ish, +2 roommates it will cost you around $700 per month. You should for sure try to have at least 1 roommate if possible. Plus you need to account for another $______ for food, car, personal expenses, etc. But don't take out the $35k in loans per year they offer for living expenses, you'd be fine living on half of that.
Why are you considering not attending dental school after taking the prereqs, applying, interviewing, and getting accepted? Are you hoping for a less expensive dental school? Considering not becoming a dentist entirely? What would you do instead of becoming a dentist?
All the best!