I think you’re missing some key points people are trying to make. First, it doesn’t matter if you get accepted if you can’t afford it. Second, you are looking at competitive schools that are reaches for most applicants and think that anything below them in ranking is “settling”. Academically, your gpa is below the average of accepted students at Villanova. Generally, that can be offset to a point with a compelling extracurricular that the university has a need for, not a list of things you have dabbled in or intend to try. Lastly, EA or ED do not have different admission criteria than RD, meaning a less qualified applicant is not granted admission just because they apply early.
Not to be harsh but you need to start looking for schools that fit your academic profile and financial target. Every year this site is filled with students who don’t get in anywhere they “want” to go and/or can’t pay the bill anywhere they get in.