Yes. Lots of people shape their college tours, and their child’s expectations, based upon finances and GPA/stats. You are not. You’re rolling your eyes at people who take their kids to tour schools they can’t afford, that their kids won’t get into, but you’re doing exactly what you’re criticizing!
Reality check. I don’t care how brilliant your child is, with a 2.8 she is not getting into schools with a below 50% acceptance rate. And she’s extremely unlikely to get merit money at any schools other than the struggling ones that discount everyone’s tuition, in order to try to attract the last cent that they can from anyone who is even remotely qualified and is able to pay something beyond the cost of room and board, whom they can convince to enroll.
I’m hoping that your daughter can find her passion, get the help that she needs so that she can achieve everything that is possible for her, and find fulfillment. Kids with high IQ and slow processing speed often improve as they mature, enough that they can accomplish their career aspirations.
So, the only place that you, as a NY resident with ample income, are going to find that has some students who are as bright as your daughter, that is going to come anywhere near the 20K/yr you say you can swing, will be SUNYs, and even that will require some loans. If you can afford to live and raise a family in NYC without being on public assistance (unless you’re getting substantial help from family), you are unlikely to qualify for fin aid at all, let alone enough to bring the cost of attendance below 20k/yr. If grandma is going to pay for college, you need to find out now, and how much, so that you can adjust accordingly. If your budget were 55K/yr, lesser OOS publics become possible, also 3rd tier LACs.
OOS flagships would come in around 55-60k/yr, plus she’s unlikely to get accepted to them. Forget about first and second tier LACs - they won’t take her, and they won’t give you anywhere near the fin aid you need. I have no idea why you’re going to show her anything other than SUNY or your local CUNY, because there is no way (short of her having some extraordinary, global-level achievement), that she will get into them or even if she does, get enough aid to make it possible for you. Her goal right now is to get the best grades she can, and to get the highest SAT/ACT score she can (I’m assuming she gets extended time), to try to get into the best SUNY that she can. Your safety is a nearby CUNY to which she can commute.
YOU can be that parent who evaluates schools based upon the reality of your child’s GPA and your finances! Stop the touring for now, have her concentrate on grades and test prep, and cut the coat to fit the cloth. If she’s a senior, the only thing now is this semester’s grades, and intensive SAT/ACT prep.
If she’s a junior, the same, plus it’s too early to go looking. If she can pull up her grades this year, and get a stellar test score, it might widen the field some in terms of academics, but unless you’ve got more money to work with, it’s still impossible. But if for some reason you feel you need to, she can look next Sept/Oct and still have time to put in apps, even early action.