Freshman can only borrow $5,500 their first year. Parents are usually eligible to borrow up to the cost of attendance. How much debt are they willing to take on, where will money to pay that debt come from, what are the expected monthly payments?
Figure out exactly where money to pay for these options over the next four years will come from before deciding, some of these options when you dig into the details are probably not viable.
With no debt at Oregon, but a cost of 60k/yr at UNC-CH would you be asking your parents to take on 40k/yr debt? $160,000 in additional parent plus loans above the federal student loan limits of about $27,000 plus interest is a very big debt burden, particularly since you have an option that avoids debt entirely.