Says the man who has his status listed as an MD/PhD student. I'm really hoping you're being facetious. Otherwise, the I can only assume you would make this claim because you don't understand the financial implications of taking on 100k as you are getting paid to go to med school.
Vanderbilt is an elite medical school. As is Penn. As previously stated, you are at the point of diminishing returns. If you think having Vandy on your CV is going to be seen as a detriment by any CV in the country, you're crazy. 95% of your app for residency is made up by you, not your school. I went to a "bottom" med school to keep my debt low do not regret it. I had every interview I could ever want, including the "top schools," and that was coming from a no-name school. I matched extremely well. All of that was because I studied hard, got stellar grades, AOA and killed my boards. That's the ticket, not simply going to a prestigious school. You think you'll match ortho from Penn with a 200 step 1 over a state school grad with a 260? No. You think you'll match nsg for residency from vandy with a B average over the student from state school who was AOA? No.
Having a top tier med school behind me would have not affected where I matched, but it would have affected my financial outlook for the next 10 years. Racking up an extra 100k for the same degree would be foolish. You're talking about paying $1,400/mo EVERY MONTH FOR A DECADE if you do a 3 year residency. $1,700 a month if you do 6 years. Think about it. That's crazy. That's a mortgage payment. Seriously. That's the mortgage payment on a $400,000 house. That's $1.2 million in retirement savings if you put that $1,700/mo in savings at only 6% interest.
You're making a business decision. Most people don't realize that that's what you're doing, but it is. You're purchasing a degree. You're investing in your future career. Where you get your medical degree will not positively impact your financial future to the tune of $1.2mil, but it can negatively do so.