If you don’t want loans, then you don’t have to take them. It also does not mean that loans will not be part of your financial aid package. As long as you/your family have the monies to cover the loan portion of your financial aid package, then there is no problem.
What will not happen is that the college will give you more institutional aid because you do not want to take out loans.
You need to sit with your parents, run the net price calculators at schools that you are looking to apply to and see if your parents can pay the bill with out taking either student or parent loans.