The only federal loans OP can get as a student in their name are the direct student loans, $27K in total over 4 years. Those are in the student’s name and do not require a co-signer, so only the student is responsible for those.
OP said their parents’ are willing to also take out loans, and generally, the student is not a party to those loans, whether the federally administered parent plus loans or private loans…so a student does not have to pay on those loans if their parents retire, as you stated.