You can not take out $35K in loans on your own. Undergraduates can take a Direct Federal Student loan of $5,500 their first year, that’s it.
The following year maximums are $6,500, $7,500, and $7,500 (grand total ug max $27K).
Any additional loans would be on your parents (either directly or co-signed).
Borrowing the $27K over 4 undergrad years is not unreasonable, anything above that is often not a good idea. Go to FSU, which seems like the only school you and your family can afford.