In-state tuition all the way. $20k x 4 = you having potentially a better life for the *rest* of your life after school. IMO, it's an absolute no-brainer.
I forget the magazine name. It's the "big" - as in, very large size magazine - DVM Product News or something? There's a student edition for vet students that our library gets and leaves out. The latest issue's cover feature story is about how vet student debt load has gone way up, and salaries have not nearly kept pace in most situations.
If I can remember, I'll post the details of that article when I see it again.
No, money isn't everything, but as someone above said, you WILL appreciate having a $1,000 less/month loan payment - or however much it will end up being.
I personally see a DVM degree as a ticket to a WORLD of possibilities. In my opinion, a U.S. DVM degree is as good as gold here, no matter whose insignia is on the diploma. You're into equine? Exotics? Research? Do externships in what interests you, get the best grades you can, and always remember that there's always continuing education seminars and conferences where you can indulge every veterinary fancy you'd like to learn about.
In fact, with all the $ you'll save paying in-state vs. out of state tuition, I bet you could afford to attend any national conference, every year, after you graduate. I know *that's* not a substitute for a *career* or path, but I bet you'd be pretty happy.
That's just my two cents and letting my mind completely wander off.