Honestly, I would try to talk to all your top choices and ask if due to the financial situation many are in right now due to pandemic, if they would defer your scholarships a year or two. As I noted, while you say community college (which is much cheaper for tuition typically) is not an option because you “cant live at home”, as I noted, there are at least 2 community colleges in your state that have dorms or student housing. My son goes to a technical college and lives in a dorm and many more are available because lots of kids dont have the financial means for a 4 year right away yet want the true college experience by living away. This might save you a slight bit of money which it sounds like to you every dollar counts.
But if your parents are willing to sign for loans, you will likely make a decent starting salary when you graduate and if you can remain frugal for a few years the debt may be worth it.
I know its a rough spot and tough decision but you arent alone, many high school grads have this same dilemma. You sound drive to succeed which is a huge plus for you!