Potential SUNY student, need help with Excelsior, picking a college without too much debt

Oswego seems to be the only school that’s close to budget.

COA: $23k
Oswego Grant: $5k (if applied to non tuition costs)
Excelsior Grant: $5500
Student Loan: $5500
Parent Contribution: $3k
Student summer work earnings: $3k
Gap: ~$1,000

The Excelsior Scholarship only pays $3k at private schools. The $5500/year grant is for SUNYs.