Which one should I pick?

Direct costs (tuition, fees, room & board) have to be paid up front in August. Whatever you earn during your first semester can be used to pay for the 2nd semester, but it won’t be available to pay for the 1st one. You need to start working now if you’re not already. Can you get a job without a Green Card or social security number?

How are you going to borrow money? Students who are American citizens can only borrow $5500/year on their own. The only way they can get more is if their parents cosign, but if your parents aren’t US citizens I don’t think they can take a loan. I don’t know how you can afford an OOS college unless you take a gap year and wait for your citizenship paperwork to be finalized.