UC net price for you will be at least $33,000, because there is no financial aid coverage for the $25,000 additional out-of-state tuition. Try the net price calculators on their web sites to see. You should try the net price calculator on each other school as well. Michigan has been improving out-of-state financial aid, so it may be more affordable now (try the net price calculator), although if you are bringing in college credit earned in high school, it has a very stingy transfer credit policy which may force you to repeat what you already know.
Parent loans (or parent co-signed student loans) are generally a bad idea, since they imply that you and your parents do not really have the money. This is especially true if you have younger siblings. Do you want to be blamed for consuming all of your parents’ money on your expensive college, leaving them with far more limited choices of college than you may be looking at?
With your situation, you probably want to be looking at:
a. Florida publics (e.g. with Bright Futures, full ride at FAMU, etc.).
b. Big merit scholarships: see http://automaticfulltuition.yolasite.com/ and http://competitivefulltuition.yolasite.com/ .
c. Schools with good need-based financial aid. Most of these are private. Virginia and maybe Michigan might be affordable among out-of-state public schools, but other out-of-state public schools are unlikely to be affordable on need-based financial aid. Use the net price calculators to check affordability.
Remember, deadlines are coming up (e.g. Alabama’s big scholarship deadline is December 1).