About to graduate CC, no parent support for loans, and in-state is somehow $24k??

Hi everyone, I really need advice because I feel like I messed up and I don’t know what to do next.

I’m a community college student graduating in 2 weeks. I finished in one year because I overloaded classes since I thought I was completely set on going to law school. I’ll be graduating with two associate degrees in political science and philosophy. Now I realize I don’t actually want to go into law. I only really enjoy philosophy, and I rushed into a path that doesn’t feel right anymore.

I’m trying to transfer and originally planned to stay in-state in Arizona because I thought it would be the cheapest option, but I got my financial aid packages from ASU and NAU and they’re both around $24k per year after grants and scholarships, and that’s without housing. What’s confusing is that I got around the same price for some out-of-state schools too, which makes no sense to me.

I have a 3.8 GPA and good extracurriculars, so I wasn’t expecting it to still be this expensive. I mostly applied to private out-of-state schools and public in-state ones, and at this point I don’t have time to apply anywhere else.

I’m thinking of switching to biology because it actually interests me and seems more flexible, but only about 35–40 of my credits transfer toward that degree. I’m okay with that timeline-wise since I just graduated high school last May, but financially it’s stressful.

The biggest issue is that my parents will not help with loans at all, any type of loan. I don’t know how student loans work without parent support, and I’m starting to panic that I won’t be able to afford school and might have to drop out, which I really don’t want because I genuinely love learning.

I’ve thought about taking a gap year, but I honestly don’t think that’s a good idea for me. I have ADHD and I know myself well enough to know that if I get comfortable working and not being in school, it’ll be really hard for me to go back.

I just feel stuck and don’t know what my realistic options are. If anyone has been in a similar situation or understands how loans work without parent support, I would really appreciate any advice.