But you don’t want to be in state - so I’m giving you out of state safeties - and these are affordable.
For all intents and purposes, there is little difference between a Miami of Ohio, as an example, and UIUC. The campuses are different but the B schools are similar. Same with Bama, Kansas, and others.
It’s great that current students like Gies and Wisconsin - but you cannot afford them according to what you said. So why would you consider them?
I’d love to stay at the RItz Carlton, but I can’t afford it, so I’m at the Courtyard Marriott.
Many/most schools are good for intended career goals, especially when they’re more generic like yours - meaning non IB.
What matters most is your GPA and rigor. Awards matter little in my opinion - what matters is what you did to earn the awards. But ECs are a consideration, they don’t make up for a 3.6.
So your first issue is you continue to push schools you cannot afford - assuming you are honest about your budget. If it’s higher, that’s different.
In regards to safety/target/reach - they are meaningless. If you get in and can afford, it’s safe - even Harvard. And if you get turned down or get in but can’t afford, it’s a reach - even Rutgers.
I’m not an adcom or specifically the adcom at each school. You were told why they were reaches - mainly your GPA. That’s my opinion. You may have a different one. And some of your schools - like BU and Ga Tech - are reaches of stratospheric proportion - in my opinion. Doesn’t mean I’m right.
If you get in, guess what, admission wise it wasn’t a reach. But still budget wise it is - so are you going to strain mom and dad? Or if you don’t get in, then what.
In state - if you apply - is fine - but what if you can get in out of state and afford? Illinois and Wisconsin are just two schools - there’s many like schools out there that will get you the same place that you can afford.
In the end, you can apply to reaches and Rutgers and it’s fine - you’ll likely but not definitely go to Rutgers. I noted IU could happen..would have last year. And Pitt is “possible” - you’ll get in but can you afford?
You seem to have forgotten you’ve provided a budget.
Have you looked at Umass, URI or UVM?