Many people have tried to find alternate or “not so popular” ways to pay for college. If there were such ways, you needn’t ask the question as it would be public knowledge… There are really three ways to pay for college; get good grades to warrant merit scholarship money, have a true financial need or pay for it yourself. With a GPA that will be below 3.0 even if you get straight A’s your senior year, merit money probably won’t happen. Sounds like your parents make too much money to be truly need. So be prepared to pay.
You are fixated on 200K and that WAY TOO MUCH to borrow. Some colleges may be willing to take flyer on you given good grades in your junior and senior years but at what cost to you? You should apply but you’ve got to make some hard choices based on money. A CC is probably in your future and it will be a good path for you. Make the effort and prove to yourself you can do it, then transfer to a 4 year school.
When it comes to finding a job, it may be slightly easier if the companies come recruiting at the college you are at. But most of that effort will be on you and your college grades will dictate what you prospects are. So it doesn’t matter that much where you go to college.
Good luck and keep the grades up.