What does your mom mean? You need to find out. Everyone who completes a FAFSA qualifies for the Direct Loan which is $5500 for freshman year. If you are low income (your post above implies that you are not low income) you could qualify for a Pell Grant or a portion of it…but the max for that is about $6000.
Most important question is…what can your family pay annually for your college education?
@MWolf above suggested looking at some schools that meet full need. BU does now meet full need for all accepted students as BU calculates that need to be. Each school that meets full need for all calculates this need their own way, some being more generous than others. And some do still require either the ACT or SAT…so what is your score?
I would suggest you look at University of Delaware.