I would recommend that you use Khan Academy or other free resources online to estimate what your SAT score might be. Since $60 sounds like a not-insignificant sum of money for your family, I would wait to see if you score (on practice tests) at least 1350-1400, which is about the lowest test score needed for some of the full rides available (and these will not be at schools in the top 100, but they will be ABET-accredited). If your practice scores are at least 1350-1400, then sign up for the SAT. If not, I would postpone your goals for an education in the U.S. until grad school. Depending on their field of study, many graduate students will have their tuition paid for by the university as well as a stipend if they serve as a research or teaching assistant.
Without knowing what your family is willing and able to afford each year for 4 years and without having any standardized test scores, there aren’t many suggestions I can offer.