These two things confirm to me that you’re not as strong an applicant as the people from your school who’ve gotten into T20 schools in the past, so my recommendations stand - apply to 2nd tier LACs and women’s colleges that meet fin need without loans for low income students.
Do make an appointment tomorrow in the guidance office to speak with your counselor about your new approach. It is an insanely busy time of year for guidance counselors, what with having to get the cover letters ready for all the seniors. Ask her if your recommendations are what they should be, if there’s anything more that she thinks that you need to do to “buff” your application, for her opinion on your application strategy.