There are plenty of less-selective, non-super elite schools that are able to not only meet need but also offer generous merit scholarships–which the top schools often do not. If you have an interesting story + strong stats, you’re actually better off applying to some “lower tier” (but still top 100!) schools that are known for merit aid/being generous. Don’t waste too much application money on the super elites (ie: don’t apply to 10-15 super elites and nothing else)–try for the ones you feel are the best match to your personality/are known to meet full need, but then round out your schools with a lot of generous match/safety schools. It’s schools who are generous with merit aid + financial aid who are most likely to offer you a competitive package, especially if you sell them on your more storied upbringing. Good luck!