See there is a basic difference between top colleges and average or local colleges. The first thing this if you are in top colleges then the possibility of getting jobs is higher. You will get better teachers as well as good infrastructure to pursue your study. Also in top colleges the placement packages will always be better than that of the local colleges. Thus you can realize that top colleges have benefits. But this by no terms means that if you don't get top colleges then you can't do anything. Frankly, speaking if you learn the subject well, if you have creativity and leadership quality then I am sure you can do the best where ever you study from. So if you can't afford good colleges go with the medium ones but don't build yourself medium, try to make yourself excellent.

I hope you got my point.

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I hope this answer helps. All the very best for your future endeavors!