I think UAH, Mizzou (as mentioned earlier), and Arizona (at $30K off based on the GPA) would all come in nicely for OP.
UAH comes at $36K all in - if you count their stated COA but a $17.7K scholarship to bring it under $20K and it’s in Rocket City.
So that’s 3 more options where the current savings would cover or come close to covering.
And then at some schools (not sure which ) but Bama and MIzzou have - for example - diversity scholarships - I’m sure others do as well.
Mississippi State - another solid school - is at $37K minus $16K so $21K a year.
With 20 common app spots, don’t be afraid to use them. The extra expense up front might bring you huge savings later. And get on the schools email lists and you never know - some will send you free apps.
Good luck.