I still think it's realistic to expect a full college scholarship for state schools. My sister-in-law got one a few years ago (dental school now).

There are two tracks to choose from, in my mind.

You can choose the "free" state school track or you can aim for the Ivy.

It depends on whether you are looking for a good brand (Ivy Diploma) or a free school (taking on the debt in grad school).

I think that Bostonian is right if you don't have savings. If you have savings, you will drain them to pay for the Ivy.