As someone stated above, Georgetown is not test optional if you have taken tests. You are required to submit all SAT/ACT test scores that you have taken, see here:
Georgetown accepts both the SAT and ACT. Please note that we do not participate in Score Choice and require submission of an applicant’s entire testing record, if one is available. Students who are not able to submit scores from either test due to the COVID-19 pandemic are welcome to apply for admission to the Class of 2026 without the tests.
https://uadmissions.georgetown.edu/flexible-testing-requirements/#college-admissions
Your list is reachy, and long. If you don’t know your budget, I would recommend you not apply ED anywhere. Do you have any idea what your parents can/will pay for college each year?
If you tell us the nature of the complications for budget, we can help you. Are your parents divorced? Remarried? Etc. If you run a net price calculator such as Colby or Tufts, that would be helpful as well. If need based only schools aren’t going to be affordable, then you will have to merit hunt.
For Rutgers in-state tuition, I encourage you to reach out to your AO and ask what the policy is. Some states allow students to continue with in-state tuition if they graduate from an in-state HS, even if the parents move sometime during the college years. It’s worth asking because you need affordable options.
Regarding loans, you can take out a max of $27K over the undergrad years, which doesn’t go very far. Any amount above that will be on your parents.