I would think you’d be competitive at UIUC or Loyola, but I’m not that familiar with admissions at these schools. The schools I listed at least claim to meet full need if you are accepted, or close to it. So if your family can afford to pay $10k, the school will cover the rest. If it can pay $5k, then it will cover the rest. If your family can’t pay any, they will cover the whole thing. (It is important to note that some schools are “need blind,” meaning they claim not to consider ability to pay in the admission process and some are “need aware,” meaning they will consider your ability to pay in reviewing your application.)
Obviously the schools that can meet full need tend to be wealthy and competitive–Harvard, Yale, Williams, Amherst, U Penn, etc. They were competitive before, and it doesn’t hurt the number of applicants that they commit to covering all costs that a student cannot afford. Many will even pay travel costs.
I tried to include ones where you would seem to be competitive. Harvard, etc. are reaches for everyone, and pretty much impossible without extremely high test scores and GPA, or some special “hook.” The ones I listed are excellent schools where you’d at least be a very competitive applicant. You can accomplish what you want to accomplish at them. You’ll have to see, in the end, what costs they’d cover.
So apply to UIUC and Loyola, both great, and Northwestern if that is a dream for you. I think some of the others look like possibilities given your interests, etc.
You’re a rising senior and will be applying soon. Focus on getting off to a strong start this school year. Study hard and complete all your assignments. If you are waitlisted somewhere, they will want to see your first semester grades. Enjoy your friends and opportunities. Many of the schools I threw out are in the Midwest where you apparently live. Demonstrating interest in a school can be helpful also. Try to visit ones that look good, if you can, and interview if you can. If you can’t, sign up for info on the school’s admissions site. Sometimes the school will host events in your area. If you are on the list, you will get notified. An example: one of my son’s top choices was a school about a 4-hour drive away that we had visited a few months before. He signed up with the school’s admission office. We were planning to go back for an interview (he interviewed well) but got a card that it was conducting interviews at a hotel near our home. We signed up and had about a 15-minute drive to the hotel, not a 4-hour drive back to the campus.
If you have questions about the school, you can email the school’s admission rep for your region or city. They usually have this info available on the contact/staff portion of the admissions website. It’s best not to ask a question whose answer is available on the website. But if you are wondering something about the school or its culture, small schools like to hear from prospective students. It’s a way to start a dialogue. The next few months are a good time. They will get busy in October or November when early applications start rolling in. The same person who answers your email will also be the one whose reading those applications. This is less true at a large school like UIUC.
Good luck at UIUC, Loyola, Northwestern, or elsewhere. (If you are interested in Loyola, Creighton in Omaha might be another option. Excellent school in a pretty cool town; I’m not sure about financial aid.)