Troy is not an HBCU. It’s an Alabama public that per the last CDS - was 53% white.
I’d compare it to schools like Marshall, Coastal Carolina, Ga Southern, W Carolina, etc
Prairie View is an HBCU.
In the end, OP has no money one can go for things like Stamps and will 99.9% chance strike out or can go for what appear to be sure things.
It’s kind of like - do you want to go to college or not. If you do, these are your choices.
Of course OP doesn’t have a test yet.