As several has stated above, OP can’t take out $100k in undergrad loans.
All the loans beyond the $27k undergrad student loans will be in the parents’ names.
Maybe OP will pay that back($1k-$1.2k per month) but they can’t be required too. The loans will impact the parents’ credit scores, ability to get other debt, potentially take away from their ability to save for retirement, pay for school of any siblings, etc)