Hi priya,
I dont think you understood my reply. Even if you have been paying taxes for the past 3 years, you would still be considered foreigner. Even if you have applied for GC this year it wont help you this year with regards to the resident tuition fee. Only when you get the GC in your hand or atleast get stamped in your passport ( in some states) will you be eligible for the tuition fee. The same thing happened with me. My husband and I thought that since we have been living in Indiana for 4 years and my husband was working in Indiana we would be eligible for the resident fee. It was not so. Even when we got our passport stamped (which means your GC is approved and is the last stage before you get the actual GC in your hand) we were told in IU that we were not eligible for resident tuition fee. Only when we got our actual GC in our hand I was eligible for the in-state resident tuition fee. If you are willing to wait for 2 years, then you will be eligible for the resident tuition fee. But, if you think you are wasting time then going to private school is the best option. Ultimately you have to decide which is advantageous to you saving time or saving money. Also, if you are going for school now you need to find somebody willing to cosign for you to get the loan. I will telll you one thing though, in-state resident tuition fee is very cheap. In my case, the tuition fee is only 14,000 per year for IU. My husband can pay most if not all of the tuition fee. When I graduate I will have minimal debt. That is a huge relief to me. But, the downside is I had to wait many years patiently for it to happen.
I hope I will clarified things for you this time around.