Help me find schools/programs where I'm likely to earn huge amounts of merit? +Creative ways to pay?

Don’t be too quick to write off your state schools. With 11 APs, it could be possible to graduate in three years at a some state schools. This will save you significant cost and debt. Private schools tend to be stingy with AP credit so at best MAYBE you can graduate in seven semesters. Every school is different so you will need to check each schools policies.