The 4-year SUNYs cost $30k/year for OOS students. If OP got a Pell grant (~$5k/year), plus the $5500 student loan, and earned ~$3k over the summer, s/he’d still be ~$15k short and SUNYs don’t give out that kind of aid. OOS students with high stats might get some money, but I don’t believe OP’s stats are high enough for aid at the SUNYs.