I would be careful of the loan forgiveness programs. I’ve read that rules change and people who thought they were eligible end up getting denied. OP can’t borrow enough anyway. The school costs ~$40k and she has ~$16k ($5k Pell, the $7500 student loan, and a ~$4k loan because her parents don’t qualify for a PLUS loan). She has a gap of $24k and no way to pay it.
OP, can you transfer back to your original college? The majority of your costs were covered there, right? I don’t think you’re going to be able to find a PA college that’s affordable for an OOS student who has a budget of $16k. If you can’t get reinstated at your old college, you can probably find an affordable option in your home state of W. VA. Are there any schools you can commute to from your parents’ home?
Your situation is difficult because you have too many credits to be able to enroll at a cc. You can’t borrow money on your own, and PA schools aren’t going to be affordable. I understand you want to live with your boyfriend. Is he attending college in PA? @Blossom may have some ideas, but in my opinion, if he can’t afford to attend school in W. VA. and you can’t afford college in PA, then if you want to finish school you’re probably going to have to have a long distance relationship until you graduate.
@mom2collegekids has rentals and kids old enough to be renters, so she can tell you if $500/mo. is enough for food, books, utilities, transportation, a cell phone plan, and personal expenses. I don’t believe it is.