You are capped at $5500 in loans for your first year, $6500 for the second, and $7500 each for the last two. You can add in any money you make from a job. If you don’t have any financial help, your best bet may be community college or a state school you can commute to from home. Any merit money will likely not pull the price down to what you can afford on your own and what you would be able to manage will may not even cover the room and board.