UG debt accrues interest all those years while still going to school. Really not smart to not take advantage of merit or low cost options. Take a gap year if necessary. You missed some good opportunities with your late inquiry.
I am quite shocked you didn’t seek out information earlier. If you would have asked on this site a number of months ago, you would have learned and had a lot of great options as financial safeties.
We know a high stat brother and sister who were OOS for U WI (but a parent grew up in WI, so family around). Sis was first and she got in-state tuition; I think brother (slightly lower stats but a few years later when things tightened even more) got a little departmental scholarship and paid OOS tuition.
Agree about UAB and UAH at this point. Let us know how things work out.