<p>A lot of privates like Harvard, Davidson in NC, and others will cover all costs after your family EFC. If your family income is truly only $20,000 then you could have a free ride to Harvard. Apparently a family income of 60,000 or less gives you a free ride if accepted and you have an impressive list of accomplishments. Are you up for National Merit? If so that will get you a lot. Also a number of private schools will give you a lot of money with your scores like Auburn and Univ. of Alabama. Do not shy away from the Ivies, as they have a lot of need based scholarship funds for academically talented students like yourself.</p>