So yes and no.
Shotgunning is ok as long as you have an assured and affordable safety and that’s Pitt.
But you still don’t want to waste time on schools that you know you can’t afford - the Ivies, Tufts, CMU, etc. as they don’t have any merit aid.
You say this: Yes I am just putting schools like BU, BC, Umich just to see some options pretty much. While they may not be the most realistic, you never rly know what could happen. BU “could” - they have merit. But over half the class is ED. BC has merit - some full rides. U Mich OOS zero chance (wasted app) and UVA you’d have to get the Jefferson - and it’s a ton of work - that’s where shotgunning makes zero sense - really hard app, going to burn you out. And don’t forget, if you to to a top school, you’ll be one of many - hard to stand out vs. going where you are the big dog!!!
A Vandy, WUSTL, etc. offer merit - so those are worth shotgunning - as could BC and BU. But Michigan and UVA - nope. Rice - yep. Emory - yep. W&L for the Johnson or SMU for the Presidential or College of Charleston for Fellows (you have MUSC right down the street) - yep.
As for UF - there’s no cutoff. Your 4.44 is below and yes it hurts. But 25% of kids get in with below a 4.5. And guess what, just because you have a 4.5 or 4.6 doesn’t mean you get in. It’s really a reach school for all but you have a chance - and they look at more - ECs, etc. But forget US News - which is crap - if you like UF, then look at UGA or since you like urban, add excellent FSU and U of SC with the top Honors College. You are looking at a magazine - and it’s making you feel like - I should be there - because it’s higher ranked. btw - there’s literally zero difference from Gainesville to the next state over which you eschewed - so don’t let ego stand in the way of where do you want to be four years, day after day after day. Do let future med school loans and budget concerns get in the way though.
Now if you get NMF or even if you don’t, I’ll disagree with this - my parents can afford undergrad and I’ll take out loans for med school.
How about - if my parents save a boat load on undergrad, they can help pay for med school so I can take out less loans?
Forget the location - if a school is $20K and they have $50K a year, can they take that additional $30K and help fund med school? Over four years, that’s $120K.
So sometimes there’s a location tradeoff.
If you get NMF, a school like U Houston (in a big city in Texas) is well respected and would give you free tuition - and there’s more.
So if you’re truly thinking about med school, I would put budget first, second, and third because it’s nice to say - sure, I’ll just take loans - but loans, especially large ones, are a huge stranglehold on your life. They eliminate your ability to make choices in the future.
You’ll often see headlines similar to this one that the NY Times published -
I’m a Doctor and Even I Can’t Afford My Student Loans
So if truly wanting med school, there are lower cost schools - really all over. Pitt would be a GREAT choice but if you really wanted to, you can go even lower - an Ohio U for example or perhaps a SUNY. TCNJ. Central Michigan, W Carolina, etc. - and that’s without NMSF.
The other thing you might consider is the LECOM option (as a back up). This is an assured DO (vs. MD). You don’t have to use it but if you don’t get into an MD program…
@momsearcheng daughter attends Rhodes, with this option - and they have many schools on the list. Rhodes is likely under $40K for you and is a very good LAC. But there are large and small colleges on the list.
So perhaps another “pathway” like the BS/MD program but with an easier launch if needed. Millersville, Indiana U of PA, and Kutztown are two public, so lower cost partners. You also have low cost publics like Florida Gulf Coast in beautiful Ft. Myers, Binghamton (sized like Pitt) and likely great merit, and more. The point - you can still crush it and go to med school but if it doesn’t work out, this can be an alternative path of getting that degree (a DO vs. an MD).
LECOM-AFFILIATED-COLLEGES-AND-UNIVERSITIES-2-16-24-2.pdf
Good luck.