Lucky for your future, you can only borrow $27k total from the federal programs (edited) - over four years. U Mich is (this next year) is $80k for tuition and room/board (not all expenses) for the first two years and $85k the last two.
So your parents, not you, would need to, if they’re willing and could fund $40k out of pocket - $170k.
So out of school, you’d have to pay $2200 a month for ten years if 8.5% interest - including no fees. Hmmmm no.
Please remove U Mich from your list. They are there to support in state, not out of state students. You want big publics at $40k - Arizona will hit a lot there. U Alabama is $20k for you. Maybe you don’t love the South ? That’s a tradeoff for not paying $2200 a month for ten years that you most certainly won’t have coming out of school. There’s others - UMN is a like school at potentially half the price of U Mich. Ohio State would be another.
As for privates - RHIT, W&L, Wash U, Lehigh - have your parents run the net price calculator?It will tell you the costs.
I’m doubtful W&M will hit. I think they can get up to 25% off.
Wash U has infrequent but possible full tuition merit so it’s worth a flyer. Same with W&L and the Johnson scholarship. Those are, unless the NPC hits costs - Hail Mary’s.
Purdue high 40s - a Michigan sub so if they have $40k a year, you can get there with loans. UVA and UIUC no shot - unless you go for Jefferson at UVA. I’d take it off.
UMD very low odds but if you get Banneker Key. CU and IU no shot for $$ and Ga texh a loan will get you close.
You’ve been a list of names but not for budget. And $30-40k is a wide range. You need to find out - per year - what your parents can lay out - and apply to schools that will get you to that #.
It doesn’t sound like you’ve done this yet. Please do this. I assumed $40k. But if I’m wrong, that’s thousands I’m off.
There’s nothing worse than applying and getting into schools you can’t afford. Trust me - you, moreso than a school name, will make your success in the long run.
Here’s an example - 2024 - average CS Salary UMN is $94.7. U Mich $97.1k. Some will be impacted by location - who is placing more in CA - but that seems an awfully small differential to pay $40k more a year. Bet on you - not a school name.