So your options are quite different if your parents won’t help you. Running the net price calculator has to be a top priority for you. Because you can only borrow $5,500 yourself freshman year, and slightly higher amounts in later years. Any other loans would be your parents’ or cosigned by an adult. So you need to see what your expected cost of attendance is. Just because your parents won’t pay doesn’t change the expectation of colleges of what they ask you to pay.