Xavier’s Board of Trustees scholarship does offer a full ride. The Presidential Scholarship covers tuition & fees, which could maybe work if Xavier would allow the Pell to apply toward room & board (and not have it reduce the tuition & fees award), and OP took out a loan, and had the family contribution of $2-4k.
https://www.xula.edu/academic-scholarships/index.html
Xavier really is an awesome option if you’re interested, though. Definitely worth checking out.