@dropbox77177 A fully determined top 20 isn’t a real thing. There are many top 20s depending on the ranking used, the schools types being used and importantly the majors being considered.
You have some like hpysm that show up in most. However the other elites and top tier are probably more reflected in the new Forbes ranking. I think they consider any school in the top 100 to be in that top tier. but that’s flawed as well. As I read through the names the top 50 + they are all spectacular. If you then look at other rankings and majors you can get a good feel of the top tier for you.
In the end, I agree it’s a tough call to pass up a top flagship like a UM UNC UF UVA or UT UCs etc and pay for the other options. Unless it’s the HPYSM group. Or if you have the wherewithal to make a purely non financial decision.