Please answer this question:
How do you intend to pay for those schools? Be realistic. The total cost of ASU is about $50,000 a year. You will ONLY be able to get a loan for $5500. So your parents are going to take out a private loan and expect you to pay it back to them? The average starting salary for an ASU grad is $42,000 a year. Let’s say you get to go right into a lucrative CS job. It’s still going to take decades to pay back that kind of money.
How long will it take you to pay back $200,000 of debt? Assuming you have to eat, pay bills, pay rent, buy a car, gas, insurance, a sofa maybe. Your plan WILL NOT WORK and it will destroy your credit rating in the process. You are getting a crash course in how to budget for life.