How are either of you students paying for college as you are teenager, likely earning far less than what Fordham is going to be costing you.? Where are you getting the money? Unless you pay Fordham, you are not going to get credit for any courses you take. May not even be able to register for them.
Your parents have to come up with the money. Perhaps they will have you sign for the loans along with them, but that’s only to hamstring you for repayment for the duration of the loan or your lifetime, and if you don’t pay, they’ll go after your parents’ credit, and even their assets.
Find an affordable school.