Only you and your parents can decide that. If any require more than the $27K federal direct student loans, that would be something to consider (additional loans would be on the parents.)
For finance at Smeal, you will need a 3.5 in the ETM requirements to declare a finance major. Obviously you are a strong student with Schreyers and IU honors, but that requirement is something to consider. For example, knowing you need a fairly high GPA to get your desired major, would that stop you from pledging a frat/sorority or doing other things you might like to do?
Have you visited these schools?