@MYOS1634 I don’t disagree but you still have to be able to afford it. Going to an elite university who covers most of your COA is a tremendous opportunity but is unlikely even for the most elite students. I am not trying to dissuade the OP from applying but realistically elite universities will not be an option. Since the parents have stated that they would not assist in paying for college that is a huge consideration.
I think it is important to make the most of your opportunities at any university you attend. Sometimes standing out can help create the networks you need. U of T is a realistically affordable option. Many other schools might be academic matches but financial reaches. Toledo would potentially offer great opportunities for those in the medical field or allied health, engineering and to a lesser degree business. They might be better served by an LAC for many other arts and science degrees but either way they would need to actively seek out opportunities. If the parents were willing to be involved financially it would change the calculus. In the OP’s case I think it would be wise to keep themselves hopeful but realistic.