Unless your parents are going to co-sign debt for you, you can’t get into much debt. The federal loan limits are:
$5,500 freshman year
$6,500 sophomore year
$7,500 junior year
$7,500 senior year
That’s it.
$65k over four years is $16,250 each year. Is that what your in-state publics would cost? Your grades and test scores put you in the range for a number of guaranteed full tuition scholarships, and make you competitive for others that aren’t guaranteed. So since you want out of state, look for places where you can land one of those full tuition scholarships. What your parents will pay would probably cover housing/meals/books/travel.