Financial struggle

This is a hard question. I think you have a great chance of getting into TAMU and UT and they are a good value for the education you are receiving. I would apply to Baylor and see if they offer any additional money but it is so expensive. (even with the scholarship) I am not sure it would be wise to attend Baylor and go into debt if you can attend a school that is 10k less per year. I know this may be bad news because Baylor is a great school. You did not say what part of the state you are from but with a public school you could live at home and attend college to defray costs too. If you lived at home and attended A&M or U of H it would probably be 10k per year. Hope it works out.