As some have said, your parents EFC may mean free tuition at some top competitive schools, so go ahead and apply to some of those. Just don’t apply early decision (where you would be committed if admitted) unless you KNOW that your EFC will be $0
I would also encourage you to visit Baylor, since you are close anyway…NMF guarantees you free tuition there, and there is opportunity to get more. It is also an excellent school for a pre-med track. If you visit it and like it, it will be a great safety both for money and admission; if you don’t, it wasn’t a lot of time wasted. Baylor’s religious affiliation is interesting. They expect the administration and most professors to be Christians, and prefer their faith to be very important to them. In light of the recent athletic scandals, I would expect this to become even more pronounced. The administration/teachers will be very open in speaking about their faith, praying,etc. .However, there is no similar expectation that all students will be Christians. The university “values” will be a hindrance if you plan on drinking/partying to be an important part of your college experience. But if that is not your lifestyle, then you will probably find Baylor to be a possible option.
If you do visit Baylor and like it, make sure to apply soon and register for the Invitation to Excellence Weekends. That will put you in the running for scholarships that go beyond tuition. They are also usually back-to-back with their BaylorSquared events, which allow a few students to get admitted to both Baylor and Baylor Med School right out of high school.