What I am loosing ? (Understanding the expenses involved for MBA)

Expenses involved and ROI are the very important factors that must be considered very early in the application process. I consider this important because if I can not manage the finances for the university all efforts of applying are in vein.

I can manage overall from US$50,000 from my earning and Family funds.

Costs for the universities I have shortlisted :
1)NYU - Stern
Cost of Attendance for 1 year is given on the website as : $71,224
NYU Costs

The approximate total cost of 21 months program will come to $150,000 including all hidden costs.

The maximum loan that can be taken from Citi-Assist with US Citizen as co-signer is $225,000.

Without a co-signer, I can borrow only $40,000 (under CitiAssist Global Program)
Citi Assist- Global Program loan terms

2) U of VA - Darden
Total overall cost : $65,929
So the expenses will be lesser than NYU but will be in similar range
Darden Costs

Here also the total expense goes in the range of $130,000 - $140,000
Loan website: Gate Loan
Here, I could not find the maximum amount that international student can borrow.

3) UNC- Chapel Hill
This is the costliest. $59,000 in tuition and $20,000 is living and other expenses per year. Total costs are in the range : $150,000 - $ 170,000
Loan is available to cover all the costs

UNC Costs

How can I afford these universities ? We also have to consider the current H1B problems. Risk of getting job in US is alot.... Is it worth ??

Now good news I can afford universities in Singapore.

4) NUS Singapore

S$40,000 is the approximate total expense involved..
I can manage this without much head ache.

I am rethinking about ISB as I believe 2 year program is more appropriate for me.
I want a program with internship opportunities, more electives, possibly exchange programs etc.

But mostly all programs in US top 20 have expenses around $150,000..
I don't want to apply to university outside top 20.

This looks daunting..PLz help...