You can take loans up to $5,500 in frosh year without a cosigner (increasing slightly in later years). Cosigned loans are generally a bad idea for both the student and cosigner, since the implication is that neither really has the money.
A part time job during the school year and some summer work earnings may realistically be able to contribute another few thousand dollars (perhaps up to $4,500 to make the loan + work amount about $10,000). So your target net price should be $10,000 or less if need-based aid is involved (estimates and actual aid offers will include the Pell grant amount), or $14,000 or less if only merit scholarships are involved where you can stack the $4,000 Pell grant without the merit scholarship being reduced.