How to get an affordable degree, need advice?

Is the mom’s Student loans from recent grad school?

He should study practice and retake the ACT…also should study and take the SAT

What is his major and career goal?

How much can each parent contribute towards college?

University of Montevallo has some good scholarships for moderate test scores.
https://www.montevallo.edu/admissions-aid/undergraduate-admissions/scholarships/entering-freshmen-academic/

Much will depend on new test scores.