Maybe @audrella would consider the more reasonably priced University of Nebraska-Lincoln where her ACT 26 score is not below the 25th percentile. Per the net price calculator she may be eligible for $11.5 per year for 4 years of scholarships which brings the cost down to $22.3k. Maybe this could be covered completely with some Pell, federal loan of $5.5k, then $5k from each parent, and savings.