Penn State UP OOS tuition, fees, room & board = $48,000 per year.
Rutgers University–Newark resident tuition & fees = slightly less than $15,000 per year.
Room & Board is $14,000 per year. Total COA at Rutgers - $29,000 per year.
If you are borrowing $40,000 per year at Penn State for an undergraduate degree, you should consider dropping out at the end of this semester as you will have over $160,000 of student loan debt after 4 years for an undergraduate degree.