No Debt from Non-Target vs Debt from Target School

I'm a senior in HS just looking for some input on my choices for UG. I'm set on majoring in accounting/finance, but I'm undecided on what exactly I'd like to do career wise. Once I start college I'll begin to have a clearer picture of my professional aspirations, but for now I'm thinking of a career in a. public accounting, b.corporate law, c. IB. Obviously very different career paths, but all interest me at the moment. Once again, actually starting college should allow me to rule out some of these options.

So as someone who is not 100% committed to going into IB, I would like some input on where to go for UG. My options are:

Rutgers - I'm in-state and will likely earn a lot of merit, should allow me to graduate with little debt. Sets me up well for Big4 or grad school. A non-target for IB but there are a few each year that manage FO roles, especially through their workshop programs/groups (RTWS, LIBOR). Though I haven't heard back yet, I might get into the Honors College with my stats, but I doubt that means much.

Kelley - Should get nice merit here as well. Really good for Big4. Would set me up nicely for grad school because the debt burden would be relatively low. Trust me, I know Kelley overall is not a target for BB IB, but the IBW sets kids up pretty nicely for most banks. I plan on working my tail off regardless of where I go (easier said than done), so I definitely will try for that if I decide I want to go into IB. Once again, debt burden shouldn't be awful.

Everywhere else - I didn’t apply anywhere ED, so the rest of my decisions are yet to come out. I applied to a few targets (NYU, Cornell), and some non-target yet respectable privates (Lehigh, Bucknell, etc). It's a crapshoot but assuming I get into a top target, the debt burden would be massive. My family makes too much for substantial financial aid, but our situation is complicated and we can't afford a 60k tuition. Yes, Cornell is known for decent aid even for middle class families, but we are just above the tier that qualifies for that kind of aid. Obviously, a target would set me up well for IB, but if I decide to not go down that road, I would be financially screwed. Unless I get merit or the financial aid office blesses me, I'm imagining debt north of at least 150k

Personally, I'm thinking either Rutgers or IU. If I was sure of going into IB, I would rethink this but from a financial perspective I can't justify going to a target school. The debt is crippling.

If I end up wanting to do IB there are opportunities at both schools. Indiana fares better with the IBW. Rutgers has their programs, though they aren't exceptional. I suppose I could always transfer to a target if I feel it would benefit me.

So is a target worth the amount of debt I’m describing? If anyone has any input, that would be great. Also I appreciate if you've read this wall of text.

Thanks a ton.