My parents told me this, and I believe it to be true: if you are going into any serious academic field that really requires a degree, you will probably be getting a Master's. And if you are getting a Master's, the only school anyone will care about is that graduate level work--it doesn't matter where your undergraduate work was done, as long as it was a place any normal person would consider a real college and not some online shill. And, when you are getting your Master's, your parents' income is no longer considered, and there are a lot more programs to offset the cost like being a Teaching Assistant to undergrads, etc.

State school, all the way.