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<p>Possibly because tuition, at least, is more or less free in their country? It is in many. In that situation they would only pay living expenses. But yes, it is puzzling. Your FA situation is too complex for me to tale into consideration, so I’ll suggest some schools without regard to FA. </p>
<p>The list you have seems to fit your criteria fairly well. On somewhat less competitive front, I’d suggest Bard and Macalester. Middlebury and Bates could be considered also. Although harder to get into than the other two, you seem to have the stats for them. Smith, Wellesley, and Barnard all sound like excellent fits.</p>
<p>I don’t know why you aren’t considering any of the Pennsylvania triumvirate: Swarthmore, Haverford, and Bryn Mawr, since you are willing to stay in-state at U Penn.</p>
<p>If you were willing to go to the west coast the list would obviously include Reed, at least. But evidently you aren’t.</p>