This is a very stupid argument to get into, but you’re calculating fees + housing only for Durham. Overseas tuition + housing + catering is around 28K pounds, not 26K. In any case, sure, I concede the point. I was going off my own experience living as a university student in England, when 12K pounds was barely enough to get by, but Durham’s room and board is around 8K. Including airfare and the bare minimum of pocket money, that’s still $40K per year. I wouldn’t consider this cheap at all.
UCL, by the way, advises students to budget 15K per year for living expenses, for a total of 34-40K pounds excluding airfare for an international student, depending on their course.
I specifically mentioned Bristol because a cursory search showed me that their Biological Sciences degree + accommodation costs overseas students 30K pounds per year. Including airfare and a stipend for personal expenses, that’s $50K per year, as I said.
But this is all irrelevant. As @tk21769 said, there’s absolutely nothing wrong with a student with OP’s credentials applying to a bunch of state schools in California + a few out of state private reaches. She’ll be fine.