The question one has to ask is amount of tuition minus amount of aid, adjusted by whether the aid is in the form of loans or grants (work study counts as a grant). If you will be commuting, and that affects ability to hold a part time job near your home, that needs to be figured into the equation.
If you don’t qualify for federal aid (including Stafford loans, income tax credits, etc.), you are filthy rich. In general, you have to be an only child with a both parents having six figure incomes to be inelligible for aid at a private school.