With those options, definitely ULSD in every category: quality of education, cost of education, and cost of living. I don't have the best impression about Roseman after hearing my dentist here in Utah county tell me DON'T go to Roseman because of the turnover of faculty and various other negative things he's heard from his colleagues. I also hear current students always mentioning "I love Roseman BUT...". Going to ULSD will give you a very solid academic and clinical foundation.They also have some really cool research they're doing. Going to an established program like Louisville will get you out of school confident in your skills and practice ready. I was super impressed with the faculty there and thought they were just as good, if not better than most of the schools I interviewed at. Plus you won't freeze your butt off... just my 2 cents.