I know it’s hard sometimes to step back and look objectively at what you are saying, but OP, you are upset that your parents (who are paying for your education! That’s a big deal!) have a preference in where you go. It isn’t like they are forcing you to Podunk Community College. They are offering you a chance at a well-respected college. Aside from the fact that you would never be able to borrow $250k anyway, the fact that you would consider that an option over attending a perfectly fine school on someone else’s dime says quite a bit. We are struggling to find schools my DD can afford to attend, so it is pretty astonishing to me that anyone would willingly choose massive debt just because they think they can “do better” in terms of school choice.
Take the amazing gift that they are offering you and be determined to use it to get where you want to be in your future. Going into debt over what you consider to be a “better” school is not going to benefit your life in any way.