[umutisik]

It's not clear why Z needs to be undisclosed and it makes it harder to give you advice.

I second people talking about the 'regret minimization framework'. It sounds like you will be studying something technical. Look up big tech salaries on levels.fyi, there's no guarantee those numbers will be there but, 5-10 years into your career, you might be able to save your MIT tuition easily with a tech salary. If you got to that point, would you regret not going to MIT? On the other hand, if bootstrapping a start-up is important to you, it might be difficult to do that when you have college debt.

It's good that you're seeking advice. Writing down your thoughts clears the head too, and makes you notice spots where you're pushing to convince yourself. For big decisions like this, I write all my thoughts as I do my research. As I get closer to the decision, I make a list of pros, cons, known unknowns / risks, then sleep on it. I never regretted a decision I made in that way.