Will she study music? There are chains about this. I think UR and even Oberlin are too optimistic, especially if she will be TO. The ones I always hear are Lawrence and St. Olaf - but $40K might not work unless you have need.
You need to find a school like Florida State that will cost about $40K - but - that is a reach as well - and at least last year, Florida wasn’t test optional.
Maybe these chains will help:
Music Merit Awards: Class of 2024 - College Majors / Music Major - College Confidential Forums