When you say it’s complicated, that doesn’t mean much. You need to run a net price calculator. What you think is complicated and you’ll get a waiver - doesn’t mean that to be the case with the schools.
If you will, in fact, get aid, then focus on the schools that meet need.
You should not apply ED to anywhere unless you are 100% understanding of the cost - so run the net price calculator and make sure you are entering it right. Or ask the school for a pre-read.
You can get into the LACs but you still need match/safeties and you’ll see them on the list. Kenyon, Denison, Franklin & Marshall, etc.
You need to focus your list - it’s way all over the place. If you need money, eliminate the UCs and Maryland.
Here’s Every College That Offers 100% Financial Aid (prepscholar.com)