It sounds like your parents want you to take the full ride, but since you want the expensive school with a net cost of ~$80k they expect you to pay for it through cosigned loans, is that right? So the total you’d have to borrow is the $27k federal student loan plus ~$53k in cosigned loans? That’s too much debt for undergrad. Can you take a gap year and find an affordable college that’s more stable than your current full ride option?