U of South Carolina has OOS merit scholarships that could give you tuition, room and board for less than $20,000/yr if you can raise the ACT a bit and if they recalculate your GPA in a way that favors you (they have their own formula). Scholarships are not automatic and the Honors College application has about 6-8 essays; but it may be worth a look. Urban campus (although Columbia isn’t that big) and very pretty. Check out the OOS scholarship section on their website.