Loans more than the federal loan limit will require a cosigner (your parents).
If you take the federal loans each year ($5.5k, $6.5k, $7.5k, $7.5k), that adds up to $27k. If you save some work earnings to add to that (hard to have time for while competing for A grades and doing premed extracurriculars), you might barely be able to come up with the $36k for USC, but unlikely the $56k for Penn.
Do you have less expensive options?