Thanks @austinmshauri for providing the important details to help the OP!
To the OP…I would suggest you re-read the responses to your same question on your other thread.
If you take the sophomore Direct Loan now and Bank it…and then the Direct Loans for junior and senior years of $7500 each…you will be very close. A student job both summer and during college will help.
Can you contribute anything out of current earnings? Many colleges have a payment plan so you could use that to help your cash flow if needed.