You might look at Case Western. It is one of the few schools that can offer significant merit. The npc won’t be good, but it is popular among families in our area with business income and significant non retirement assets for providing FA offers competitive with our state flagship’s in state sticker for some students. Case is not a safety school - merit there is unpredictable.
Have you had the ‘money talk’ with your parents? Have you set up a cash flow worksheet for Penn State? Penn State increases tuition once a certain number of credits have been earned. http://tuition.psu.edu/tuitiondynamic/tabledrivenrates.aspx?location=up
If you plan to take out loans have you and your parents utilized online student loan calculators to review what your (and possibly their) monthly payments will be? It is shocking to a lot of parents that the interest rate on loans is as high as it is and that there are fees, too.
Have realistic plans to pay not just for the first year, but all four - and one for making payments if loans are used, too.