SUNYs cost ~$20k, not $40k, so if the budget your parents gave you is the cost of a SUNY a lot of schools on your list will be too expensive. You can borrow ~$5500/year, but that won’t close the gap. Run the NPCs and don’t waste your time and effort by applying to schools that are too expensive.
Checkout Iowa State, should be about $35k with travel.
Checkout Clemson’s Calhoun Honors College. Could be affordable with National Honors Scholars merit, could come in around $35k net price if your EFC is $40k.