You’d probably get $20,000/year merit at Xavier, which would leave about $30,000 to pay. So with your mom’s contribution and the student loan, you’re still short $5,000-$10,000 (that’s current costs; they’ll go up each year). They do award 20 (I think) full tuition awards which are very competitive, but no additional application is required, so give that a try.
Other midwest Catholic schools, such as Duquesne, DePaul, and U Dayton, would also likely offer you $15-20,000/year merit awards, but again, the final cost looks to be too high. Don’t know about Creighton’s merit awards.
You might consider some other Catholic schools a bit farther away that offer some full tuition awards, such as Scranton or St. Joe’s (in Philadelphia).
This question isn’t meant to pry, but are your parents married (since you only mention your mom’s contribution)? Also, what state do you live in?