Forget UCs.
However USC is a possible reach and may end up roughly the same cost as Penn State because 1) 100k is not considered much in California. Run the NC, you’ll be surprised. 2) Penn State is very stingy with aid. You’re unlikely to get any scholarships because they basically don’t have any, except if you get into Schreyer (and even that is only 5k).
So, you need a few more universities. We can help you! What do you like about those on your list?