It sounds like you are feeling the pull of independence. You have to make your decision by not considering guilt in finding the solution. This is one of those decisions that is clouded by the guilt of leaving home. Even though your parents are overprotective they would not want you to stay because you feel guilty. You are in college and you have a right to want to have the full college experience. If you really want to grow up and you have the money to do so then I suggest you consider this part of growing up. Parents never want you to leave home so don't base it on that. You don't want to be there when you are 30. Do what your heart tells you to do. No matter what your decision they will cry then they will understand.
Please press accept