"I’m not sure why Milikin is on the list (your D would be a shoo-in here; it is not a reach). I’m from IL, and it’s the one school on your list that is not at all like the others. Really, though, for a full-pay family looking for merit, the midwest and south (regions derisively referred to as flyover country) should be your target. The schools in these areas are already 10-15K cheaper than schools in the northeast, and merit is typically plentiful. Your post says that money is not an issue (or am I misreading), but most families won’t turn down savings!’
With that GPA, if it is based on a 5 pt scale, might be a reach school. Her activities fit well into Millikin since they are a big theatre school. As for merit aid, her GPA will hurt her but her ACT will help. Millikin has reduced their merit aid in recent years. She might get a university grant.
If she only excels in classes that she is interested in, then she might have trouble at any school she goes to.