Agree with most comments. $100K debt is not a good idea. Maybe I missed it but what is your EFC?
Other than a gap year or community college, keep an eye out for the list of schools with open seats that comes out the first week of May (might change this year due to Covid). Some still offer aid. I can’t think of the name but someone might chime in.
We put together a spreadsheet with colleges and costs for each of the 4 years. Also included community college options including living at home just to see the differences. It was helpful to see the numbers.
We also live in Pa. The state higher ed system has really failed its kids.
Good luck