If the top amount of merit money offered by a school is not enough to bring costs down to about $20-$25,000 a year, then being a dual citizen will not help. If large merit scholarships are generally based on high stats, then being a dual citizen will not help. While I think that many of the schools on your list will find you an attractive candidate and will welcome your dual citizenship, they can’t give you money they don’t have and they may not be able to give you enough money if your stats are not up to snuff.
If you look at Baruch, the OOS tuition is about $16-17,000 per year and the cost of housing, room and board etc. is estimated at $20,000 per year - it is not necessarily affordable for you unless you receive merit aid. FIU looks to have a total cost, including room and board of $26-27,000. While your current ACT score would not qualify for merit aid, that could change and you could probably also make this school work financially regardless.