You might be being too pessimistic about USC and UCLA.
1.) Very few people pay sticker here
2.) They have >20% big law alone
And yes, #2 is correct. At sticker, less than 1/5th of the student population will graduate with enough income to pay off that debt. Now here is the connection: the OP is seriously considering sticker at Hastings or Loyola. If the top SoCal schools have a ~20% Big Law rate, then Loyola HAS to be worse. (I'm too lazy to look it up.) So, Loyola at sticker, perhaps 10% have a chance at a job to pay down that debt.
Really dumb move.