If you’re willing to live in a smaller, rural town, both Eastern New Mexico University and Western New Mexico University will be less expensive than UNM or NMSU. (by a lot…)
At both Eastern and Western, you’d automatically get the Competitive Transfer Scholarship (requires 3.5 college GPA) which would give you in state tuition rate.
COA at both Eastern & Western is ~$15/year (tuition, fees, room, board, books)
https://admissions.wnmu.edu/undergrad/#student-costs-tuition-__0026-fees-sample
Your COL may be even lower if you live off campus.
With your $11,500 student loan as a junior independent student, you have most of your costs covered.
Eastern is particularly friendly to transfer students and will accept most of your current college credits. (This is partly due to the presence of an Air Force Base nearby. Many of the airmen are enrolled in ENMU classes.)
Both universities offer degrees in biology, chemistry and psychology. Both Portales (where Eastern is) and Silver City (where Western is) have regional hospitals for pre-med volunteering.