You’d get $15k per year from Alabama with the 3.0 and your SAT.
That said…be very careful where you get merit because if the school requires you to keep, say a 3.5 GPA, in order to keep your scholarship, then you could lose it in college.
With your family’s $25k, plus the $15k from Bama, and a $5500 loan, you could have costs covered at Bama as long as you choose a standard double dorm (not a pricey private room). You might work/save over summers for pocket money.