@psaw2016, I grew up in a low income family, so I’m going to be honest with you because your decision time is limited.
Anyone who’s telling a full Pell family that a $47k college is affordable on a $5800 Pell grant, the $5500 student loan, an $8k/year scholarship, and $3k summer work earnings is mistaken. The chances of a student getting $26k in outside scholarships is remote. Do you have $26k in athletic scholarships or outside grants? If the answer’s no, you can’t afford this school.
In case your advisor didn’t tell you, it’s irresponsible to allow your low income parents to take on debt for you. The max you can borrow is ~$5500/year and you should stick to that, especially if you have siblings who will want to go to college.
The $22k state school cost is better, but unless you left out ~$8k (non loan) funding streams, it’s also unaffordable on the $5800 Pell, ~$5500 student loan, and $3k summer work earnings.
You need to come up with $26k for the private college or $8k for the public by mid-July. Can you do that without making your parents borrow? If not, you need to rethink your plan. You wouldn’t be the first kiddo to do so.
If you post your packages (rounded #'s are fine), your standardized test scores, and GPA, we can help you find affordable options. But unless you left out substantial scholarships, I don’t these schools will be affordable.