If the OP has the academic credentials to be a possible admit at a super-selective college, s/he is very likely to graduate in 4 academic years or less at a less selective college.
However, if they are already financially overextended, their financial judgment may not be the best. It is possible that they could dig themselves into a financial hole that would require the OP to support them in their retirement. This could have various limiting effects on the OP’s post college options, such as being required to chase the money in job and career directions in order to earn enough to support both his/her own future family and dependent (and presumably spendy) parents.