While it's true that classes tend to be 'harder' at upper echelon schools (I'm in my junior year at Cornell), the professors are still, mostly, here to help and not to just screw people over. Course I'm an English major, so I never get taught by TAs. The classes here have been hard and a lot is expected from you, but they're also fulfilling and very worth it.
However, I think school's are basically the same everywhere, you just get different student bodies in different places. While there are the definite party animals here at Cornell, they're also mostly incredibly smart and still study a hell of a lot. While I'm sure it's possible for some people to never study, party all the time and still get good grades, I've never really known anoyone who didn't get hella stressed and study their ass off, especially during finals week.
Will your current education be just as worthwhile as one at a higher tier school? You might be able to take classes to make it so, but it will require more effort to seek out classes that would challenge and inspire you, and you might still not be able to do it while at that school. For every class that annoys the hell out of me with a bad/arrogant professor, I can find 2 that have engaged, exciting ones.
It really boils down to how important it is to YOU, and if you're willing to incur the debt for an education that you think is better. If you stay at your current school and are unhappy, then it's going to suck, because you'll always think 'what if?' If you stay where you are, make peace with it or the thought that you could have done something differently will bug you for years to come.
Good luck, mate.
Oh, and luvly:
