Thanks for the replies.. And yeah, going over $100k in debt isn't even a real option. I would never consider it.
That said, I do not think I would be very competitive in the top US programs because of space. UK programs, even the top ones, can give many more offers than similar US schools because they don't generally have limits on incoming class size. If an advisor is willing to take you on then you can realistically have a shot at admission since they don't obligate themselves to pay like most US programs do. My MA qualifications are outstanding (3.9/4, 164V GRE, 3 publications) but I barely got into the MA program at all because of my undergrad GPA - 2.2/4 (I had a 12yr gap in my ugrad career - immaturity got me kicked out with a 1.7 after my Junior year and I finished strong with a 4/4 in my last year in order to squeak out graduating) and I have been told by several people at the top programs that the politics involved with letting a low uGPA in would likely be a deterrent. I guess it would be hard to keep a top 10 ranking in US News if you let in 5 people and one of them screws up your overall GPA average...lol.
Regardless, my main thought is that I might get some funding from Edinburgh or Leeds, the latter allowing me to apply for a UK/EU national only program under an exception because my research intends to use AQM. Edinburgh has a number of TA-ships that it distributes.
Considering the respective costs of living, if I was able to get fees paid for at either school that would leave me with maintenance concerns, which would equate to roughly $20k per year. Still a large sum, but not insurmountable.
I am honestly excited about Miami's offer, but as a Medievalist, it just doesn't compare realistically to being across the pond.