Help me decide

I was unfortunately waitlisted from my dream school and cheapest option, I’ve been out of school for 4 years now working in clinical research at a hospital, and don’t know what to do. I got into three schools, but they’re all around 65k total and that feels like a lot, especially because Grad Plus loans are going away.

Do I commit to my second choice, a great program, and take on the debt while hoping and praying I get into my top choice? Or should I wait another year and re-apply to some cheaper options? I’m feeling so conflicted.