I’m not trying to be insensitive but your dad tapped his retirement to pay bills, your mom is on disability, and they have no savings? Covid and the economy are still an issue. You really should be looking for low cost options at this point. Apply to Duke but have some backup plans.
I seem to recall you’re an Illinois resident looking at STEM? In-state options would be a good start.
Doesn’t Illinois have some type of Exchange with bordering states?
For engineering as long as the school is ABET accredited you should be good. Going to community college or satellite campus for 2 years and then transferring is OK. The degree will still say XYZ university.
I am truly sorry about your mom and I hope things work out.