As has been recommended, check out College of Charleston. There is merit for OOS that can get you to your financial goal or lower. Their enviro science and science majors are great with excellent opportunities for research.
Emory or Oglethorpe in the Atlanta area may be of interest and have merit.
Eckerd in St. Pete has merit and lots to do in a smallish city with Tampa close by.
Also, visit some of the bigger universities in cities you like as bigger colleges can feel small once you get into your major and interests. Some will have merit aid to help.