<p>What is your home state? You will not find any schools OOS under $20K. You should look at your home state for the best deal. Also as a Freshman, you will only be allowed to take out $5500 in loans. The rest will be up to your parents unless you get need aid or merit aid. I live in California and both sons attend California schools. The Cal states will be under $20k if you commute. If you live on campus, $20K will cover tuition/room and board. For the UC’s, tuition is $13K and living on campus puts it at $28K+. You need to figure out your EFC and run some Net Price Calculators (NPC) on some schools to see what you and your family can afford.</p>