By “15k a year off campus” do you mean as a commuter with your parents covering your live-at-home and commute costs? Because living off campus costs more than $0.
Which colleges are within reasonable commuting distance?
The $10k gap between your parents’ contribution and the $30k for in-state public costs can barely be bridged by a direct loan ($5.5k) and a reasonable expectation of your work earnings in the summer and part time during the school year.