Doubt and FA at IU in your case. Sounds like you are in fairly good shape to pay for IS in Indiana. If you focus on paying the tuition in two chunks, then do the monthly payments for RB, you should be fine. You are used to living on less income, so you are in a good place. If you get a tax credit (fed and state) even better.
Admire your goal to avoid loans. I feel bad for kids stuck with them! I had massive loans, and the essentially delay your loan from and force your career choices.
Good luck!