Ah, okay - since you’re an OH, you’ll also want to look at the bargains that are available through the Midwest Student Exchange Program. https://msep.mhec.org/institutions?field_state_term_tid=19&field_program_type_term_tid=12&field_sector_term_tid=All
Most of the OOS schools that you can access at a discount through this program are larger, but there are two public LAC’s that are particularly worth a look. With your current stats, both are reaches for you - not high reaches, but somewhere near coin-toss odds, I’d say. Raising your test scores could help a lot. You mentioned the ACT moving fast - I would really encourage you to try sitting for the SAT. Students who have trouble with the pace of the ACT often do better on the SAT. Schedule the SAT, put the Khan Academy SAT-prep app on your phone, and give it 20 minutes a day between now and then. Tedious as this might be, it could really pay off in broadening your options, both by getting you accepted to more schools, and by qualifying you for merit to make them affordable.
Anyway, the two public LAC’s in the MSEP exchange:
The smaller of the two is U of Minnesota Morris, which has 1800 undergraduates. The total cost of attendance with the MSEP discount is around $23K/year. Your stats are slightly below median and the admit rate is 60%, so getting in could go either way.
https://www4.morris.umn.edu/about/history
https://academics.morris.umn.edu/ensembles/chamber-orchestra
Closer to home but a little larger, Truman State U in MO has 6000 undergraduates, but still has the educational approach of a liberal arts college. It has slightly higher median stats than Morris but also has a higher admit rate, so it’s also in the “could go either way” category. Cost of attendance with the MSEP discount is around $25K/year, and you are a hair away from being able to take another $2K of automatic merit off that price. (Threshold is at 26 ACT + 3.32 GPA… or your 3.30 would qualify with a 27 ACT or 1280 SAT.)
http://www.truman.edu/admission-cost/why-truman/
http://www.truman.edu/majors-programs/majors-minors/music-major/music-ensembles/#undefined
These are both terrific small schools. Assuming you can squeak out the auto-merit at Truman St., they are equal in baseline cost at $23K… which is above your $20K target, but… the in-state COA for Ohio State or Ohio U is 27K, and Miami OH is 32K… so it’s all a matter of how the financial aid situation shakes down. There may be state-level aid that you qualify for at the OH schools that you wouldn’t OOS… but then again there may be federal-level aid that would apply at Truman or Morris… so you’ll have to run the numbers and see whether in-state is truly cheaper for you.
There are also some good safety schools to look at on the MSEP list. The U of Wisconsin branch campuses, for example: Eau Claire, for example, has about 10K undergrads, has median stats close to yours, and accepts 80% of applicants, so definitely a safety for you but not one where you’d need to feel overqualified once you were there. More than 40% of students live on campus… and it has a particularly strong orchestra program https://www.uwec.edu/academics/college-arts-sciences/departments-programs/music-theatre-arts/academic-offerings/ensembles/orchestra/ COA at MSAP rate comes in about the same as the others, around $23K. That’s just one of the UW schools - you can compare the various options.
There are even some small schools that would be financial safeties on the list. Chadron State College in NE has about 3000 students, and has on-campus housing and an MSEP COA of under 15K.
Hope that helps. As I’m sure you realize, sorting out the financials and determining your eligibility for need-based aid will bring your options much more into focus. But I think it’s going to be hard to get a lot of the small, private colleges that are attractive down to your price point, so the MSEP schools could be really promising alternatives - there are some excellent schools on this list for a surprisingly good price.