Where do you see $52,000? I'm assuming you live in Ohio or nearby since you are applying here? You have three state schools in your state. Most states you can become a resident after 1 year of living in their state, so if your not a resident of Ohio you still may qualify for instate tuition the second year.
My honest opinion- I think you are looking too much into the price. It is better to attend an accredited program that is $10-15,00- more expensive because you can actually take the license test to actually be an OT-NBCOT! What about if your program doesn't become accredited and you studied 1.5 years? Apply again and transfer to another school and spend another 2 years in school and $60,000-80,0000+ in tuition? Remember OT graduate schools do not usually transfer credits! Plus with an accredited program you will more knowledge and experienced therapists who will help you pass the exam easier and will have more access to fieldwork placements. Place explain your situation more if you can.
Did you apply to other programs? Did you get accepted into anyway else? I want to see if I can help in any way 🙂