If tuition and books are covered by BF, you’d have Pell ($5920), probably some SEOG ($1-2k), Florida supp. grant ($1-2k) which gets you to $10k. You can also borrow the direct loan of $5500. That’s $15k to pay for room and board and incidentals.
I read your post about Flagler and I really hope you get in. It has very low tuition, you’d get the above plus the FRAG for a private school of $3300. It is one of my favorite schools.
A friend told me they ‘came in at right around $20k’ for their son at UCF (a couple years ago) but this kid was spending money like he earn it, which he didn’t. He had no scholarships (lost his BF), joined a frat, had a car at school, lived in a dorm with a full meal plan. I think for someone who is trying to keep costs down it is possible to keep costs to $16k, and if you are getting BF full tuition, Pell, two state grants, you might not even need the entire $5500. Your parents won’t have to take out loans for you.
Just keep plugging along. Something will work out.