The point of this whole thread is to decide on a college other than the one your stepfather was going to have to cosign $160k worth of loans for you to attend. The cost of the college is your primary issue because your family can only pay $11k/year.
It looks like you’ve been gapped $24k at Pace ($11k + the $5500 federal student loan + the $8k you want your stepfather to help you borrow), so your net cost is ~$100k. That requires your parents to pay $44k out-pocket, for you to borrow $27k total, and your stepdad to help you borrow $32k. That’s way too much.
What’s your net for Elizabethtown? Is the $6k cost you mentioned in the op before or after the federal loan and your parents’ contribution have been applied? If your net is ~$11.5k (the federal student loan + the $6k you quoted in the op) then that sounds like an affordable option. Your parent contribution could cover the whole thing.
You need to quit worrying about prestige and whether or not you can “do better” and pick a college that won’t leave you with more than the federal student loans ($27k total) and won’t leave your parents in debt at all. Do you have an option like that? If not, check the NACAC list. You’re a NYS resident, right? SUNYs could be paid for with your parents’ contribution + the $5500 federal student loan + summer work earnings. I think there are a few SUNYs on the NACAC list. You may want to take a look at them.