Choosing Colleges-Rutgers, Penn State, UTD, UT CAP, SMU

Hey y'all,

I am currently a high school senior deciding which colleges to choose from to break into IB. So far I have heard back from Rutgers, Penn State, UTD, UT CAP, and SMU. I applied for finance, but I have only been accepted into a couple colleges for that major. My main issue is the price for each college because while I don't want to take out too much for student loans, I also don't want that to put me at a huge disadvantage with recruiting.

For Penn State, I have been waitlisted from the main campus, University Park. With UT, I was basically denied, but I have the opportunity to place into the CAP program, which allows me to go into their liberal arts programs, which includes Economics.

My main consideration now is UTD because I have a scholarship, and although it is a non-target it does have an investing-club type program which is offered Sophmore year. And with that, I have the option to transfer out after my second year for a target school like UT or one up north. Any thoughts on which college to choose?