“It’s up to me to determine if I wish to pay the remainder.”
OP,
YOU as a student, will NOT be able to borrow more than approx $5000/ yr.
Any amount above that will have to be CO SIGNED by your parents, and that means THEY, as well as you, will be on the hook for those EXPENSIVE loans that CANNOT be discharged- even if God forbid- you die!
So you need to sit down with your parents and have a SERIOUS discussion regarding EXACTLY , not perhaps, how much they can or are willing to spend on your college education. Before you apply to college.
Every year on CC we parents read distraught posts from students in April who have been accepted at colleges that their parents NOW tell them they cant afford!
Dont let this happen to you.