Your total direct loan can be $5500 for the year. You have $3000 now which means you can ask for the 2500 remaining but it will be unsubsidized.
So that leaves your balance needed at around $15,000.
Either your parents need to take a Parent Plus Loan, or something like a home equity loan…or they need to be willing to co-sign that $15,000 loan, and be qualified to do so for all four years.
If that can’t happen, you need to matriculate at a less costly college than this one.