i would suggest psu. you might have a hard time choosing between top15 without aid and non-top15 with full aid, but usc and indiana are only a little better than psu and are probably not worth taking the risk.
You already gave a very good line (background, personal profile and objective) to follow and make a decision. I vote for PSU though the rankings of USC and IU are better. Since you want to go to US first, PSU is a better choice with less risk.good luck.
p.s. you are lucky to enjoy the 2-year training with out much presseur, most of us still have to work or worry about the loan, =(.