I totally understand not wanting to drive around the U. But I don’t think it’s necessary, either, because you can walk to so much, or take the bus or light rail. Maybe your parents would take you for a campus tour so you can see for yourself.
But it’s okay if you don’t think it’s for you. There are lots of schools in and near MN (and I’m sure elsewhere; I just don’t know as much about those) that you could possibly get down to a cost of about $20-25,000, many of which are in smaller communities. The less selective ones are most likely to end up costing you the least, so you may need to think about the tradeoff between being challenged and affordability. Have a talk with your parents and see if they will look at some of the websites for schools you’re interested in, look at the cost of attendance and available scholarships, and run the Net Price Calculator to see what financial aid you might get. They may not realize how expensive college is now and how hard it is to get a full ride or full-tuition scholarship.
If you do want to stay at or under about $25,000/year I’d guess (based on what I’ve found from looking into things for my own kids with similar stats) that the UW satellite schools (e.g. La Crosse and Eau Claire) would be the least expensive but you can also possibly look at Minnesota State Mankato; NDSU and UND; UMN-Morris and UMN-Duluth; and some of the less-selective LACs like Concordia, Luther, and St. Mary’s.
I think cptofthehouse is right that if you want to apply to selective LACs you should think carefully about your plan to do full-time PSEO; taking honors or AP classes at your high school will look better.
If you’re hoping to try to get done in two or three years keep in mind a few things: 1) you might take longer just because certain required classes need to be taken in order and some may only be offered specific terms (e.g. fall only, or fall of even years only), 2) less time in school gives you less time, and fewer summers, for research, travel, and internships, 3) it can be hard to have all your general ed classes done first because then you’re spending your two years with a pretty tough course load of classes in your major, and 4) it may be challenging socially to start out at orientation with students who end up graduating a year or two after you.