The comparison isn't between two ridiculous situations NYU vs Parsons. That's like saying...I could stab myself with a knife or stab myself with a screwdriver....I still end up with the same pain. No, don't stab yourself at all.
Since you've now been told that YOU can't borrow that much without your parents being involved (no one lends that much to kids...let's get real!!), you now have to accept that neither Parsons or NYU would work because you won't be able to get the loans (thank goodness!!!)
Go to VCU....and I can almost promise this. When you're paying off those much smaller loans (about $25k total), you're going to feel a pinch and annoyance at having to write those checks for 10 LONG years, you're going to think back and be very grateful that you didn't ruin your life with a much higher debt load.