Are you sure that you are OOS everywhere? Perhaps your parents meet the residency requirements of a state even if they are physically overseas.
I’m not opposed to judicious borrowing for college, but lots of people go way overboard and later regret it, especially for an undergrad degree. Lots of the high-stat students on CC will be headed to law, medical, business school, etc., after undergrad, and will need to have the ability to fund that.