“3.82 UW GPA”
“15th percentile”
Do you mean 85th percentile? An unweighted GPA of 3.82 should put you well above average at any high school that I have ever heard of.
I agree with others that knowing what your actual university budget is would be helpful. There are people with an EFC of $80,000 who can only afford $40,000, and people with an EFC of $30,000 who can only afford $20,000. This makes a big difference in terms of which schools would make sense.
“I want to graduate debt-free hopefully”
This is very wise.