Go to an affordable school.
You have no idea what you are in for financially! No, it’s not typical for college students to take out private loans! A number of families don’t qualify for loans. A number of families use savings. A large number of families have their children attend the local university. I have several former HS students who live with their parents because they can’t afford to live on their own, buy a car, “date”, have “disposable income”, etc. But they have that “prestigious” degree!
It’s very sad. One, neighbor, went to Cornell, and thought she would major in engineering, until she discovered how hard that is when everyone else is a star student. She changed majors to hospitality, got a job in NY City, paid Manhattan rent, lost job, no savings, living back in California in her old bedroom. Mother just lost her job in pandemic, Father doesn’t work, Christine doesn’t work and her younger brother doesn’t work. They owe a HUGE amount in student loans! Student loans aren’t forgiven in bankruptcy! That Cornell degree is there, the money isn’t.
Your mother may not qualify for further loans because she’s paying for brother and now, you. I worked with a number of Social Workers and yes, they have job security because no one else wants to work for those wages! It doesn’t matter what your family had in the past, in credit ratings, the banks care about getting their money back so they will attach your primary home as equity.
Quit trying to get a prestige diploma! The companies employ people from the local State university at exactly the same pay rate. I have 2/3 kids that received degrees from public universities. Employers find out who you are and don’t care where the degree came from.