Is this dream school division 1 or 3? If 3, no scholarships will be available based on athletics. But your kid might get to play.
There are colleges that are test blind or optional this year where your costs would be less than $30,000 a year.
With a 4.0 or so GPA, University of New Mexico would come in below that budget amount. @WayOutWestMom am I right?
ASU and University of Arizona might as well @tsbna44 could you elaborate?
At some of these larger colleges, your student might find club sports that will work.
If you want to take parent loans out, that is your family decision…but make sure you feel confident that you will qualify for all four years.