Just like prestigious universities, prestigious LACs do a fantastic job educating motivated students, who, upon graduating, are well equipped for great jobs and grad schools. Look beyond the usual suspects or HYPSM. Your profile would make you a very competitive applicant for many excellent LACs, who might offer you a lot of FA or lucrative scholarships.
My child got a fantastic education at an LAC and is currently working with grads from Harvard and other schools mentioned. (Her demographic is not similar to yours.) I’m posting this link just so you can get an idea of what LACs offer before discounting them because you think they are too rural, too small, or not well known. The people who need to know, know about LACs. How Bates prepared my student for her future
@Dunshire there are other disadvantages. This student might benefit from more time to build on the things he does outside of school. Or maybe having time to mature will help him adjust to college more easily.
OP, you will not be able to work 20 hours a week if you get into virtually any elite school. Most, if not all, mandate that students can’t work more than a certain number of hours per week. 8 is common. 10 is probably generous. Studies come first, and prestigious colleges also have expectations that you will be involved with campus life. Money is clearly an important factor in your path forward. Maybe take a year off after graduation to work and help build your family’s finances before you head to college.