<p>As others have said, you’re being short-sighted.</p>
<p>You need your parents to be on-board. You’ll need their info for FA apps, and you’ll need their contribution for college.</p>
<p>I’m really doubting whether they’ll co-sign a crazy amount of $100k for loans since that amount would really screw them if you couldn’t pay…and would really hurt you when it comes to paying back.</p>
<p>Schools don’t consider you to be “emancipated” just because you’re 18 and have your own insurance. </p>
<p>You may be very smart, and your parents may not know all the “ins and outs” about the college app process, but they probably know their financial situation…which is why they want you to compare offers.</p>