<p>I agree with other posters. A 20 ACT will be a disqualifier at schools like Urbana-Champaign, even if you could pay full price.</p>
<p>If your ACT score does not go up, your best bet may be to get terrific grades for two years at a community college while you are living at home, and then transfer to UW. Once you have a couple of years of college grades on record, your ACT score will not matter. You have an excellent public school right in town, which might be your cheapest option in the long run as well as a very valuable degree. This is the clearest path into that university for you.</p>