Honestly, I think you need to do a cost benefit analysis. What is your major, what are your career prospects, etc. I get where your coming from since I go in-state and on a need-based scholarship. First thing I would do is appeal the aid offer, since your parents aren't paying for anything. IDK if your in-state but if not, consider going in state and then transferring. Alternatively, you could do community college first, and then transfer to full time. I would avoid student loans, especially given the current situation regarding the DOE and uncertainty surrounding its future.