Swag, lots of guys get to the next level without travel ball, but it's usually more difficult. But talent is absolutely the most important factor, so that's where you should focus your effort. Did you play baseball last summer? If so, what kind of team? Do you have a local America Legion team?
Nothing changes for you on July 1 with D1 schools. D1 coaches can start contacting you on September 1. However, you can talk to a D1 coach on the phone right now if you call him and he answers. That normally takes some kind of intermediary like a travel coach to arrange the time. The July 1 date is for after your junior year. That’s when D1 coaches can talk to you off-campus. Juco coaches can talk to you right now.
Your financial situation might make your recruiting decisions simpler in some ways. It sounds like you might need to attend an in-state public university, and you may also start out at an in-state juco. You probably know by now that 50% is a pretty good baseball scholarship at a D1. That still leaves you to pay almost $10K/year at one of the UNCs. Juco can be less expensive than that, especially with a scholarship and/or living at home. You won’t find many people on this forum in favor of running up big student loan debt.