I'm in the same situation as Riley (Midoriya), I'm currently about to graduate with my Bachelors from a college that is only about 35 min away from where my parents live. If I were in your situation I could definitely see how being that far away from home would give you some trouble, especially if you're close to your family (I personally have no issue being away from home because I really don't like it there at all, I would rather be at school in a dorm than live at home).
It can be really worrying to move that far away, one thing I can recommend is that you get in touch with your academic advisor (if you have one) and/or the university offices that deal with student affairs (at the college I go to there is the dean's office, the chaplain's office, a counseling center, the spectrum resource center for LGBT+ students, etc.) that way you have some sort of support system on campus even if you don't make friends.
as for debt, I've heard that the people who collect student debt usually go off of whatever your income is (as well as giving you a 6-month grace period) so making payments on your debt shouldn't be too big of an issue. it is a bit troublesome that going to a college out-of-state can cost so much more but it will likely still be managable. I'm currently at a college that charges about $27k per semester in total (I'm at a private college). if you apply for financial aid or even get scholarships that should help you pay off your tuition.
I am also scared of moving and being lonely. I have a hard time socializing and making friends irl as I believe I may be ND (currently in the process of seeking a diagnosis) and I have been this way since I was a child. I am afraid I will become one of those stories of people moving to college, making no friends, struggling and hating it, and having to move back home with massive debt behind them.
I wanted to quote this part in particular because I can really relate to this. I'm sure you've seen my posts all over this forum about me dealing w being autistic at a school that doesn't seem to care abt ND people (at least, they're not giving me proper accomodations for autistic issues). for me personally, yes I basically made no friends (I've only made two friends because I was forced into a room w them my sophomore year and we're more so acquaintances than "true" friends), yes I struggle a lot, yes I hate it, and yes I'm sure I'll be going home with a lot of debt (though not excessive debt cause I have a lot of scholarships as well as financial aid).
Also keep in mind that schools are often forced by law to comply with the Americans with Disabilities Act so if you know in advance what kind of accommodations you need let the universitiy's disability office know as soon as possible! this is the biggest issue I've had, I never contacted the Disability Office for academic help and that's prob why I'm struggling so much (though it doesn't solve the attendance issue I talked about yesterday). I would advise seeing if you can get into your own (single) room like I did, and if it's allowed you could also apply for an Emotional Support Animal to help with loneliness.
but I haven't lived to regret being in college in-person because, while yeah it's been a pretty terrible social experience, the academic experience has been really awesome. I've gotten a lot of opportunities to perform in ensembles and play recitals (ofc I'm a piano performance major so this is what I enjoy most) as well as get to know many music professors who share my love of music and desire to learn about it. being in college in person can offer tons of academic opportunities and experiences, and for that alone I would most definitely recommend being on campus (only thing is to make sure you get into smaller classes, the college I'm at is small anyways so getting in touch with professors wasn't an issue, I know it
can be at some larger universities).
I'll be applying for grad school this fall for the 2022-2023 school year and I'm sure I'll go through the same issues yet again, but the academic experience and getting to spend all my time playing and studying piano and music in general will make it worth it imo.
another thing that might help is if you're giong to a regular university (like not a liberal arts college) then you know you'll get to focus solely on your degree. because I'm at a liberal arts school I've had to take so many extra classes that I hate (I'm currently in a theater class cause I need a fine arts credit that isn't music and I
hate it so much). hopefully you don't/won't have to deal w that, since I assume that University of Texas is a public university and is not a liberal arts college.