Your financial aid will likely be zero at Penn State, since you are an OOS student and it’s a public university. Run the Net Price Calculator (https://cce.ais.psu.edu/college-cost-web/netPricePageOne.xhtml). At around $8000 EFC it starts to give $0 in expected scholarships. For $0 EFC it still wants the student’s parents to take out a loan of $33,225 every year.