Are the instate schools affordable for you? They are notoriously stingy with aid, esp PSU. Check and double check the Net Price Calculator on their sites.
(Note: NPCs are not usually accurate for those with divorced parents, or with parents who own a business, farm or real estate beyond the main home).
How much can you afford per year? Parents contribution + $5k loan + job earnings = budget.
If we have this info, we can help you identify affordable match and safety schools. Once you have these, you can knock yourself out on reaches etc!