“So, far just less than $7K in private scholarships.”
This is actually very good. However, as you have noticed it does not go very far with the current cost of university in the US.
“My parents are looking into loan options.”
This is too much to borrow. Do not do it. It will be like an albatross hung around your neck for a long time.
Need based financial aid in the US is terrible for students who have a self-employed parent. That is the reality. You need to find something affordable.
You have the good fortune of living in a state with great in-state public universities. Unfortunately given the date the way to get in is to either start at community college, or take a gap year.