You have great, and very respected, in-state choices - including Rutgers.
And the top private colleges can offer financial aid to cover a student’s financial need - but the admission chance for anyone are 10% and less, regardless how perfect their grades and scores are.
So it’s okay to aim for those, but to plan for others.
Looking at the next tier, highly ranked colleges that are actively seeking to attract the best students, very attractive merit scholarships will be available.
If you can stay focused for the next 3+ years, and get good grades in the classes you plan, you are as likely to go to college as many very others with similar family finances.