If you’re attending a NYS cc, check their articulation agreement to see which 4-year colleges they have agreements with, then check the programs at those schools. A friend’s daughter is attending SUNY Albany for science (I think it’s Environmental Sci.) and loves it. You should definitely check their programs.
Why will Colgate U be paying $20-25k for you? Does one of your parents work there? If I had someone paying that kind of money for me, I’d look for a school in the $30-35k/year range. That way, the federal student loan and summer work earnings will cover the rest and your parents won’t have to borrow at all. SUNY Albany, at ~$20k/year, would be a good financial safety. I wouldn’t apply to Penn State if it requires PLUS loans. NYS schools are just as good as PA state schools and you can have a degree with far less debt.