Need help: UVA with loans or Full Tuition Scholarship at EQUALLY RATED program across the country??

Short story: Is UVA worth an extra 40k over an EQUALLY RATED program of study at a well-rated University located 2000k miles away? Grad school is a necessity for DD's major. Long story: I'm reaching out for guidance concerning our DD. She made a very pragmatic choice and proceeded with Dual Enrollment her Senior year at a very competitive HS (that she wasn't a fan of the cut throat intensity). She stayed local 1 extra year and will be graduating with an AS degree Summa Cum Laude. Minimizing debt is an important goal for us. DD is a sweet kid and very much a homebody with multiple younger siblings she is close to. DD has been accepted to every college she has applied and we are waiting to hear on UVA. She calls UVA her “first choice” but I don’t think transferring in will be any picnic for a shy and reserved kid... We have been in frequent contact with the Director of her intended major and we are confident she'll be accepted. The only compelling competition comes from a well rated University across the country that has been unbelievably attentive and given us everything we have asked for, including a full tuition scholarship and Admission to their Honors College. It's a beautiful campus despite being remote. They've been flexible and done everything in their power to make her feel happy, safe and welcome. In addition, this school has an online program in her major (and worst case scenario if she wants to come home, she is able to keep this scholarship) and finish the program from home. (Not what we want… She needs a great college experience but it's a generous offer)... The real irony is this University’s program of study was recently ranked EXACTLY the same as UVA’s (think alternative health profession). Talk to me about any reasons why UVA should win out (other than its close proximity)….. Could she have a better chance of Grad School merit coming from UVA? Every single person we have talked to has said to “save your money and take the Full scholarship”…I really think my DD would prefer to be academically a big fish in a small pond vs being one of many brilliant other kids….but the location of the 2nd school is worrisome to her. She will need loans if she picks UVA.