Southeast Missouri came close to that for us. I tried to check it out again and I’m not sure but she should qualify for the in-state rates and the $5000 Copper Dome? One reason DD didn’t go there was transportation (2 hour bus ride after landing in St. Louis, or driving ALL the way across MO herself). Something to think about as we found those offering big merit were kind of out of the way!
Central Arkansas came in at $9K for us but I think they’ve changed their scholarships.
So, your hoped for figures are similar to ours so I’ll tell you how it’s working out for us. She’s at a Midwest regional public where the COA is about $16K after automatic merit, no need based aid. She has some money in savings. Freshman year she had to live on campus, but she earned about $7200 in one-time outside and competitive scholarships. I split the remaining cost with her. Sophomore year she moved off campus and that saves about $4K/year (another benefit of small town Midwest is low rents).
I pay $2500/semester to tuition and the remaining $1500 either comes from her savings or scholarships. She applies for the school’s foundation/departmental scholarships every year. I get $2500/year back on taxes with the tax credit so my net cost is $2500/year. So if you can pay $5000/year net, you could pay $7500 toward tuition and get the credit back. (Maybe bumping up the total COA you can handle.) She pays rent, utilities, and groceries too.
DD has gotten some extra help- the R&B refund in March 2020, CARES Act payments from college, stimulus I shared, and a very well paying job summer 2020. Those things allowed her to only have to work during breaks and not during the school year, which she could have done if needed. She is now working during her junior year to keep up on her rent. But she is also graduating almost a year early due to dual enrollment credits so that helps too. No debt!
Good luck!