We’re ~80 posts in and back to the original question: how can a low income student with a ~3.2 GPA who wants to live with her boyfriend and attend an OOS $40k/year school get ~$26k/year to cover the expenses that aren’t covered by the $7500/year federal student loan, $5k Pell grant, and the $4k loan that you received because your parents were denied a PLUS loan? The short answer is that you can’t. The reason most students attend cc or commute to their local 4-year school is because states don’t have enough money to pay for kids to attend their state’s residential college. They certainly don’t have enough to pay for OOS students.
I was a low income student so I get the desire to be financially secure. The way to do that is to focus on your education and make sacrifices so you can assure your own financial independence. Trying to borrow ~$28k for 2 years of OOS tuition plus whatever you need to pay for an apartment, car insurance and repairs, utilities, food, books, entertainment, and personal expenses (after applying your ~$4800/year income) isn’t going to help you become financially independent.
The place to get money is at your former school in W. VA. where you were paying less than $100 year out-of-pocket. Sacrificing to secure your future may mean putting off living with your boyfriend for 2 years. What you don’t want is for him to attend college and get a degree while you’re bagging groceries. Get an education, then pursue whatever future you want with him. As a former low income student who worked full-time and took classes as I could afford them (over nearly an entire decade), my best advice to you is to make getting your degree (with minimal debt) your top priority.