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<p>Perhaps you need to rethink this. There are only about 2 dozen major universities that meet 100% of financial need for all of their students, and I wouldn’t rate any of them a “safety” or even a “match” for you. These schools are all in the U.S. News top 25 or just outside it (e.g., Tufts, Boston College, UVA and UNC Chapel Hill OOS), and all have sufficiently low admit rates that even with your generally very strong stats there’s no guarantee you’ll be admitted. </p>
<p>I think you need to think about “safeties” and “matches.” Often in-state publics are admissions and financial safeties, but in your case the financial safety part is not so clear, as your in-state publics (Penn State, Pitt, and Temple) don’t meet 100% of need even for in-state students; and you’re going to have plenty of need. You should perhaps still apply to one or more of them and see what kind of aid package they offer; you should be a shoo-in for admissions. For financial safeties, though, you may need to look at private colleges that meet 100% of need but are not as selective as the 2 dozen top private universities. And those would be mostly LACs, like Macalester (46% admit rate, though reportedly lower this year due to a surge in apps), Occidental (43%), Trinity (41%), Lafayette (43%), Gettysburg (40%), St. Olaf (57%), Wabash (49%), and similar schools.</p>
<p>I don’t mean to discourage you from applying to the most selective private universities. I think you’ve got a pretty good shot. But you’ve got to be realistic, and you need some back-ups in case the reachy schools don’t pan out.</p>