SUNY college tuition isn’t less than $5500/year either. It’s ~$10k. The federal student plus work earnings would cover it, but not the loan by itself.
I see that Univ. of MN is $14k/year. If the parents won’t contribute to tuition then OP would either have to start at a cc (~$5k/year) and work to save enough to transfer, work full-time to earn enough to cover what the student loan doesn’t at the Univ. of MN, or take classes as s/he can afford them. If the parents can pay $5k and OP can earn $3-4k over the summer then the federal student loan would be enough to cover tuition at the Univ. of MN.