Whether your financial need is met by loans or grants will depend on the school you chose. Start running Net Price Calculators on the schools available to you and see which ones are good options. Just enter an earlier birthday and to test which ones will give more aid when you are 24.
Google:
site:put-the-college-website-here.edu Net Price Calculator
Agree that your in-state public is probably going to be the best option: Many private schools treat transfer students as “cash cows” and don’t give them grants.
Also, choose a major that leads to a job right out of undergrad and check out the career placement and guidance available at colleges as you are choosing one.