I can’t chance as there is too much unknown info. Where do you think your rank falls within your class? Many schools that don’t rank still publish median GPAs, etc. Your GC likely also knows your approximate rank.
Does your school provide weighted GPAs (important for IU Kelley)? Do you have mostly honors classes? Four years of each of the five core subject areas?
Being full pay will help you, as will an upward trend, but until we have more context on the GPA/rigor most of these schools are reaches. I encourage you to refine this list because it’s unlikely you will be able submit 20 high quality applications…and high quality is what they need to be. Every essay on point. Have you counted up how many essays you would have to do for these 20 applications?
Regarding Kelley, unless your school provides weighted GPA on your transcript, you will not qualify for direct admit (a 3.8 GPA either w or uw is required, plus a 30ACT/1370 SAT). You meet one of the two requirements, so would need to petition for direct admit, or try to get in after freshman year.
Note that some of the schools on your list require a separate application for the business school either after freshman or soph year such as UVA. Northwestern, Stanford, and Chicago don’t have business majors (although there is access to certain business classes).