It doesn’t matter where you get $250,000 in loan money for college. That is TOO MUCH in loan debt. Are you hoping that your step dad will forgive that loan. If that is the case, give up that idea too.
If you are truly a competitive applicant for the school’s you listed, there are schools like University of Alabama where you will get a huge amount of merit aid.
Oh…and remember…for those listed schools, in addition to the fafsa, your mom and step dad, AND your dad and his spouse (if he has one) will need to complete the non-custodial parent Profile.