Look into LRAP. Different schools have different programs. A good LRAP program is a good out of the debt and allows you to go to a better school while making lower levels of income upon graduation. Off the top of my head, e.g., Yale's LRAP basically pays your loan for you if you end up making less then $60K a year as long as you do something law related. I doubt there is another program out there that good, but just finding a decent one would allow you to go to a higher ranked school without substantial scholarship and be able to make lower levels of income after graduation.