Top 20 universities are reaches for you. Top 20 universities are entirely unnecessary to find a strong premed program.
There are hundreds of colleges and universities in the US that have very good premed programs. However medical school is both very hard to get accepted to and very expensive. Being able to afford 8 years of university is challenging to most students who make it to medical school.
Are you a US citizen or do you have permanent residence in the US? If not, then what is your visa status?
What state are you from?
What is your budget? How much can you afford to spend over your first four years without taking on any debt whatsoever?