Is Penn State in-state or out-of-state tuition for you? It does seem a bit high to me.
I do applaud your willingness to save where you can though.
Overall, I don't think it's a stupid decision at all. If this is truly what you want to do for a future, there is no better investment to make for yourself than a career path.
I went to an in-state university that, at the time, had the degree I was looking for and the tuition (minus room and board) was $7000 a year. I still ended up with about $40k in student loans, but that was largely because I was fairly oblivious about money at the time. If I was, it could have been even lower.
Bottom line, if you are certain, stick with it. If not, I'd say take the community college route. I don't see anything wrong with that either. It's a cheap way to build up your pre-reqs.
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