Your total loan amounts you can take in your name only are the Direct Loan amounts as follows:
Freshman $5500
Sophomore $6500
Junior $7500
Senior $7500
That’s it. Anything above these amounts would be your parents taking loans or cosigning them. They would need to be qualified borrowers for all four years…and with the cost of UPenn…will they be? And are THEY on board with taking out these loans?
UCLA or Cal are excellent options. You have eliminated UCLA…so Cal seems to be the choice
Yes…you have a LOT more cons for Penn than the other schools!