<p>What is your EFC? Did you run any NPC to see if the colleges will expect more than that 23k? You might get some merit at USD or Santa Clara. You sound OOS are you? You will not be able to afford UC, most likely there is a 23k charge just for OOS, and then you will have to pay the regular amount too unless you qualify for aid so your cost may be $55k. Also you may not have heard, but those are public schools!</p>