All of the schools you listed (except for the one on the brink of closure) are good schools, but I don’t think any school is worth $100,000 or more of student debt. Yes, I know it isn’t that unusual for parents in Pennsylvania to cosign large loans and sometimes expect their kids to pay them back. However, if your parents don’t want you living at home now, will they want you living with them for years after you graduate from college? You would probably need to do so with that much debt. You really have no good options if your parents won’t let you live at home. If you can talk them into letting you commute, Scranton would be the best option. Juniata is also an excellent school. Are your parents planning to contribute anything at all, other than interest on the loans? If they can’t afford to pay anything on an upper middle class income, how can they expect you to pay back large loans as a new college graduate?