Questions about broadening my college list, sending SAT score, and chancing

Hi I’m a junior in high school and I have a couple questions. I thought I’d put them all under one thread rather than separate posts on different subforums (I can if you want me to). Anyways, I need help with my college list, as of now I have 4 on my list which are California State university- Sacramento, UC Davis, Miami University- Oxford, and Ohio State University. I’d prefer to go out of state (I’m in California), but I won’t let that be a detrimental factor to my education if it turns out there’s a good fit for me in California. As of know I’m thinking of either majoring in business (finance), nursing, or biotech. I’m looking for colleges with a finance major (or something of the equivalent to get me a job in the finance field), and 1 or maybe both of nursing/biotech. Cost is an issue in the sense that I’m not expecting much aid (180k as of last year’s taxes), but my parents have nothing saved up for me and looking at estimated EFC calculators, they’re expected to provide $42,000 a year, when it’s $10,000 “out-of-pocket”, maybe they can take some loans but I’m not sure. I myself am willing to take in debt as long as I can pay it within a couple years after college (my current plan is to get a bachelor’s get a job, work for a few years, then go for a masters if I choose to), so outside of this my only form of aid comes from merit scholarships. With this in mind, are there any colleges you could recommend me so that I can add to my list considering my situation and preferred areas of study? (I saw the thread that provided a list of colleges that gave out merit scholarships if you met certain gpa/sat/act requirements. I haven’t looked at it all the way through, but that is where I found MiamiOH.) Anyways here’s some background info, tell me if I’m missing anything:

Junior
GPA: 3.80 UW, 4.25 W
Don’t know my specific rank but I’m in the top 10% (possibly 5%?)
SAT: 1410 (new SAT)-750 math 660 reading, as for essay I got 6-reading 5-Analysis 6-Writing. This is the first SAT I’ve taken, don’t know if I want to retake or not.
AP: World History -4, Chem -4, Calculus BC, Bio, US History, Psychology = waiting for scores, will be taking macro/micro, and Calc AB next year (I don’t want to take stats)

My other question is should I send my SAT scores now? It’s my first test and I don’t whether to retake or not, my friends told me it was a good score, but reading around here it seems it isn’t, I think I could get a better score if I did retake because I did not study for it at all, but am wondering if its worth the effort. I am taking the ACT this June. Would sending my scores early help me in any way?

And lastly, could you chance me for the 4 schools I did list? I think I qualify, but am not sure. I want to know if their safeties or reaches.

Thanks!

EDIT: Accidentally posted before I was done, added in last part

YOU are limited to $5500 in debt as a freshman. Everything else would have to be cosigned by your parents. Not recommended. And you’re right. With $180K of income you’ll only get aid at places like Harvard and Stanford.