It depends. Since you are a student and under 24, you are still considered to live with your parents even if you have your own apartment. So, for you to be claimed as an independent, the question to answer is: are you providing at least 50% of your own support.
The way you state the question above with your details, you very well may be considered to provide 50% of your own support. Loans are considered to be your money if the loans are in your name, because you will have to pay them back. Scholarships and grants, however, are not your funds and is support provided by someone else.
Your parents don't actually have to be the ones providing the support in order to be able to claim you, as long as you are not providing that support. How do you know for sure? Click on the following link that provides a worksheet that can document if you do or do not provide at least 50% of your own support so that your parents cannot claim you as a dependent: Worksheet for Determining Support - IRS.gov
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