OP: do your parents realize it’s no longer possible to “pay your own way”? 20 years ago it was - take on a loan, have a part time job, get scholarships. 10 years ago the most expensive colleges weren’t even 40K. The 2008 crippled the endowment at many private universities, which affected scholarship possibilities. Many States have cut the public universities’ budgets, and tuition has doubled, or even tripled. But scholarships haven’t doubled. Loans haven’t doubled. Minimum wage hasn’t doubled.
In addition, if your parents have money, I’m not sure why they* would take on loans rather than actually paying straight, since loans accrue interest and Parent PLUS loans have a high interest rate.
To boot, it sounds like you have a very high EFC (high expected family contribution, ie., your parents make 180+ a year) so you don’t qualify for need-based aid except for the $5,500 federal loans.
In short, either you apply by December 1st and win a guaranteed merit scholarship for your stats (which are remarkable and should have won you quite a few) or you apply by whatever deadline the university’s competitive scholarships are.
Local scholarships are usually small and wouldn’t help “pay your way”; they’re also extremely competitive and may include a need factor (ie., if your parents make a lot of money, someone whose parents are middle class would have priority). Sometimes they only require to be part of a group but it’d depend on how active you, your family or your school are wrt this group.
As of now, it sounds like you’ll have to take a gap year. Apply to CityYear or Americorps (national programs- deadlines are soon), or look for a job anywhere in town (if your mother or father works somewhere, they may be able to help you, but they may not be willing to?)
Small scholarships don’t cover much more than books and transportation anyway.
If your parents are low-income (65K or less), then you need to apply to 100% need colleges.
- YOU yourself can't take on more loans beside the $5,500 federal loans. So your parents would have to take them on your behalf. Which wouldn't make sense if they have the money. Why pay 32,000 to borrow 27,000 if you have 27,000 and can avoid wasting the $5,000 - unless they really really want to give money to the government.