YOU can incur $27,000 total for college debt. Period. That is the amount of the Direct Loan that you can take in your name only.
Let’s just start with freshman year…when the amount is $5500. Period.
Any loans over that $5500 amount will either need to be taken out by your parents, or cosigned by them. Will they do that??
I’m guessing your parents are saying they will pay for instate VA costs and no higher…which is why you have to bring your costs for going OOS or provate to that number.
It is possible that you will find schools that can meet your proce point. But really…matching the quality of your instate public universities at that price point will not be easy.
Many of the private schools mentioned offer some merit aid…but not $30,000 a year of it.
You might also want to check the SUNY schools. Bing and Geneseo might be good…and OOS costs, while higher the $30,000, are not THAT much higher.