I don’t think you can take private loans. Your parents would have to co-sign for you. What’s their current job outlook? A lot of people are getting laid off. Don’t assume they can borrow $20k/year or more for you for the next 4 years. It may not happen.
Most students don’t borrow $15-25k/year for college. They commute to a cc or local 4 year school. Do you have any affordable schools you can commute to from home?