U. of Arizona doens’t have the same level of scholarships for international students as it does for domestic students. U. of Utah is known as having a relatively easy process for residency, but I don’t know if that applies to international students as well. If it does, then I would take a close look at U. of Utah as years 2-4 could be significantly less expensive than year 1.
I am not very knowledgeable about athletic recruiting, but I would see what your times are for your various events and compare them to the college times to see where coaches would be excited to have you. I would check out D1 & D2 schools (they give athletic money) as well as D3 schools that offer aid to international students (financial aid and/or merit aid…but these will not be athletic scholarships). I’d also take a look at Bowdoin, Harvard, Princeton, Massachusetts Institute of Technology, Yale, Dartmouth, and Amherst to see what their swim times are like (they are need-blind for international students and meet full need). Then take a look at swim programs at schools that meet 100% of need, as support from the swim coach might get you an in (here’s a list of many popular colleges that indicates what percentage of need they meet). You appear to be a very strong candidate, but there are lots of strong applicants for these schools. Your swimming would be a way for you to stand out and get accepted. You may want to post in this forum for more advice about athletic recruiting: Athletic Recruits - College Confidential Forums
With respect to financial safeties, you may want to see this post which has some options you may want to consider: Match me - Intl student from India in need of advice (lib arts interests) - #69 by AustenNut