Paying For Spleman

Sooo I'm a senior in high school and its that time of the month to out your down payment on a school. My dream school is SPELMAN COLLEGE of course (HBCU^^)... the only problem is, which im sure many Spellbound females had to figure out is .... HOW AM I PAYING FOR IT ???  my Family is far from rich, therefore I would have to take out a $100,000 loan to pay for 4 years at Spelman, of course the CUNY school that i got accepted to gives me all the money I would need for tuition, therefore making it basically free. Is $100,000 to much to spend on undergraduate school, especially when i do plan to go to law school after ?? HELP PLEASE - aSpelmanDream