You need to understand how much your parents are willing to pay AFTER financial aid.
Most top schools only offer need-based aid. And the school’s idea of what your family can pay might be quite different from what your parents can actually afford. You need to sit down with your parents and run some net price calculators on the school’s sites. Net price calculators often won’t tell you if you’re eligible for merit aid but they will be helpful when it comes to need based aid.
Schools like Penn or Brown will not offer merit aid. They may be quite generous with need based aid, but it depends on your family situation.
NYU is notorious for being stingy with aid.
UCLA may be off the table for more reasons than the major - UC schools do not offer aid to out of state students.
It is good advice to be aware of requirements to be certified as a teacher in different states, as well as what the outlook is for teachers in those states. For example, Elon is a great school for teachers - but NC is not a great state for teachers, so many students find jobs in other states. MA has higher requirements for teachers to gain long-term certification.
Being picky is not a problem - you just need to be sure you’re also being realistic. Make sure your list includes some schools where you feel pretty sure you’ll be admitted AND where the costs will be affordable.
Good luck!