<p>Duke UNC-Chapel Hill UC-Berkeley UCLA USC Stanford Princeton Yale Harvard
Dartmouth Georgetown Amherst Williams William & Mary UVA UPenn
U-Chicago Northwestern</p>
<p>Your list is really top heavy with few matches (if any) and no safeties (outside of your state U) in the bunch. </p>
<p>Keep in mind that the bar will be raise for student who are out of state applying to public schools (UNC, UVA, UCLA, Berkley, William and Mary) If money is an issue attending to a pulbic school as an oos applicant places you financially on the downside of this power dynamic. Even if admitted, at a cost of almost 40K+ for out of state, you may not get the $$ you need because their first priority is to provide an affordable education for their state residents.</p>
<p>You already know that HYP have single digit acceptance rates so there is over a 90% chance that you won't be admitted. </p>
<p>Dartmouth, Penn, Duke, Amherst, Williams Northwestern and Chicago are also going to be extreme reaches for the sheer number of applicants vs. the number of students admitted. (Your URM status will defintely give your application a look but you have no idea as to what the rest of the URM pool is going to look like so it does not make you a shoo-in as there were a few high scoring URM students that were shut out last admissions cycle as even this pool is becoming more competitive).</p>
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Most of the really prestigious places are on there because they could offer me the best financial aid (such as Harvard, which is free if family income under 60K) on the off-chance that I am accepted.
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</p>
<p>Harvard has a offers great financial aid but you will not attend Harvard for free as there will be some out of pocket expenses on your part .Most schools that give need based financial aid do not give out "full rides" and are not free because there is an expectation that the student is gong to be an active participant in the financing of his/her education. This means there will be a student contribution from summer earnings and self help once the student is on campus in the forms or work-study and/or subsidized loans.</p>
<p>Harvard states:</p>
<p>You will also have non-billed (out-of-pocket)nexpenses for books, personal and travel expenses — costs which will vary depending on your own
style and habits. For purposes of determining your eligibility for financial aid, we are using a combined book and personal expense allowance
of $2,795.</p>
<p>Student Contribution</p>
<p>We normally expect that incoming students willnearn money for college expenses by working during the summer. We believe a reasonable goal for
this summer in most cases is $1,500, or approximately $150 per week during the summer vacation period. (Summer expectations for upperclass
students are higher due to a longer summer working period.)</p>
<p>If you are not able to save enough from your summer earnings
to meet part or all of the expectation, it may be possible for you to borrow an additional amount.</p>
<p><a href="http://www.fao.fas.harvard.edu/downloads/understanding_your_award.pdf%5B/url%5D">http://www.fao.fas.harvard.edu/downloads/understanding_your_award.pdf</a></p>