Your subsidized loan will be limited each year - freshmen max is 3500, sophomore 4500, junior/senior 5500. (These are the max, you may be eligible for less depending on your and your parents’ income.)
If you don’t take that 3500 subsidized loan as a freshman, you still can’t get more than 4500 in subsidized loans as a sophomore. It sounded from your original post that you might need more than 4500 sophomore year, so taking the subsidized loan while you can might make sense.
“No more than 20 hours per week.”
Not sure how much I agree. I worked 25 hours a week this semester and was fine. HOWEVER, OP says they weren’t able" to get a job in high school due to it taking time away from their studies – that may be an indication that they can’t handle 20 hours a week in college. I’ve been working on top of school for years, and so have the other kids at my school who successfully work the max number of hours while in hard programs.
@SpicyTaquito What is your anticipated major? Earning 10k in a summer is often no big deal if you get an internship in cs or engineering. In other majors, likely impossible.
EDIT: Just saw you’re going into pre-nursing. You would be unlikely to earn much in a summer even if you got an internship in your field. If you’re really into this school, work during the semesters and during the summers and fill whatever’s left with a direct loan. Otherwise pick a cheaper school.
@SpicyTaquito congrats! Where did you find all these scholarships?
It’s also possible to talk to the financial aid department about why your parents can’t / won’t help with your EFC. If there are big medical bills to pay, unemployment after the FAFSA was filed, higher than average living expenses, etc., then it may be possible for the financial aid office to adjust your aid.
@CourtneyThurston It wasn’t that I couldn’t handle a job but I got home nearly every night 7pm or later from school due to all of my extracurriculars. I also don’t have a license or car and both of my parents work. Thank you for your input. I look forward to being able to have a job and earn money to pay for the remainder of my college.
@DiotimaDM I actually just learned about that and I am waiting to hear back from the school! Thank you 
@suzyQ7 Thank you! The ones I won were mostly Texas based, local, or from my university itself!
How much you can work will also depend on the type of work. If you have a desk job where you are only answering phones and can squeeze in some homework, that is one thing. If you are doing a fast food or waitress job, not going to be able to do anything but that, and it is also physically demanding so you’d be more tired at the end of the shift.
I am anti-debt in most situations short of a home mortgage but but believe every situation is different. I think you will be fine if you graduate with around $20,000 in debt. BSN (RN) is one of the most hirable majors you can have and the pay is good. If you can’t find a job local, it is easy to move and find a job.
If you want to be a nurse because of the job not the pay, you should be successful and able to pay off $20k in student loans in a 5-8 years. I also think it’s more important to stay on top of your studies than work during the school year. Once you hit junior year, ten hours per week might be fine but twenty is probably pushing it. Maximize summer earnings.
^ I agree. Once you graduate, finding a good paying job shouldn’t be difficult. I would calculate the total amount of loans you could pay off in less than 10 years at a reasonable rate and go with that. The last two years in nursing school, including your rotations, will make it difficult to hold down a job during the school year. My personal max payment for loans would be around $250/month, You could pay off $20,000 in about 8 years at that amount I believe.
Delayed gratification is a great thing. Buy a 7-8 year old car for less than $10,000 when you graduate and that will give you room in your budget to knock the loans out. If you have a short commute, you could even go cheaper on the car. You just want reliability, not luxury.
One luxury you have is the scholarships your freshman year to test how well you are doing in college before you take on debt. That’s a nice luxury.
One thing I haven’t seen mentioned yet. Some hospitals will help pay off your student loans (up to a certain amount) if you sign a contract to work a certain number of years there. You might research hospitals that do and position yourself for your employment after college to help pay off those loans. If certain specialties are required you can plan that during your education.