No, you should not say yes because Penn State will never be affordable.
What are your stats? What do your regents scores look like (that will be a factor in the 4 year CUNY schools).
I see that you are getting information back from CUNY. Worse case scenario, if you are eligible for at least $5 in TAP or PELL, apply to the ASAP program at QCC, where you will get free tuition, books and metrocards to help you finish your associates. It will help you save some money to do your last two years at SUNY or CUNY.
Find out if you can get college discovery at QCC. If you can, roll with it graduate and transfer where your CD will turn into SEEK, EOP or HEOP when you transfer to a 4 year school.
If you are really killing it at QCC and graduate, you can apply to the CCTOP program at NYU, where the minimum you will get is half tuition for being a CC graduate (they give great FA, through CCTOP)