How much can your parents pay per year without borrowing? Since you can only borrow ~$5500/year on your own that’s an important number.
If your parents will pay for you to go OOS and you’re just debating if the extra cost is worth it that’s a different situation than your parents not being willing to pay. If your parents won’t pay OOS rates then the ROI of a $65k/year OOS college doesn’t matter.