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<p>Would the universities on your list allow you to apply as a first-year student at all? Many don’t. NYU, for example, explicitly instructs all students who have ever been enrolled in a degree program to apply as a transfer student. </p>
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That exists only if you have a reliable US co-signer. Otherwise your best bet is loans from home. If you don’t have family in the US, don’t have money to pay for college, and cannot get some sort of financial aid (in grant form, not loans!), it’s most likely in your best interest to finish your undergraduate education in your home country. You could consider coming to the US for a graduate degree, which is often much easier to finance than an undergraduate degree.</p>