I wrote a reply on this topic a while back that’s still applicable. I’ve pasted it below. I generally agree with the advice so far…200k was certainly past that threshold I refer to in my post.
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I was in this exact position. I got no scholarships. I did some rough math on what that debt was gonna look like if a scholarship never came through in future years and decided that it was heinous, and I knew exactly what I’d be making as a new officer (I knew I’d commission in some branch, one way or another, and was already DoDMERB qual’d). No one can tell you exactly what your threshold is, but 130k+ is a lot. I would have been doing plan B...definitely reach out to admissions in case they can “find” more $.
If you are dead set on VMI, find a cheaper in-state school for a year and try to pick up a scholarship and transfer to VMI. There’s some hoops involved there with transfering a scholarship depending on type and who awarded it (i.e., national board vs Det/CC), but it’s an option.
You could also look at transfering to a different SMC with lower cost. TAMU gives in-state tuition to Cadets as long as they’ve got at least a few k of other scholarships, I believe. This in-state tuition is big when it comes to what AF scholarships will cover.