Having a “realistic budget” that is lower than the official SAI is relatively common. There are a number of reasons this can happen, with divorced parents sometimes contributing to this (other factors can also cause this, some of which we ran into).
I think that this makes affordability questionable at any of your reaches. Both admissions and affordability are of course important. One daughter got into two of your reaches (she only applied to two of the four) but neither was even remotely close to our budget, and if you get the same lack of aid they won’t fit your budget either.
That is okay, you have lots of other very good schools that you have applied to (as did she – she went elsewhere and did very well).
The first question that some of us ask here on CC is “what are the safeties”. Of course nothing can be safer than a school where you have already gotten admissions, so long as it is affordable. These are two very good acceptances. Congratulations! Are they affordable? Is this a case where you hear about admission and financial aid at the same time, or is the information about financial aid going to follow?
I would predict that you will get into TCNJ and being in-state it should solidly fit your budget. I have no idea whether URI or St. Johns’s would be in-budget, but I would expect you to get accepted.
One daughter attended UVM. I think that your chances of admissions are excellent. You will however need good merit based aid for it to fit your budget. Merit aid out of state is possible at UVM. For us, also out of state, the NPC did predict merit aid and turned out to be spot on accurate.
I think that your chances are also good at Rutgers, and again being in-state should put it solidly within your budget. I happen to have known a number of Rutgers graduates, and they have all made the university look very good. You can get a very good education there. I do not think that it is a safety for admissions, but it looks likely to me.
I would expect you to get some more acceptances from your other “target” schools. It would not surprise me if some are affordable and some are not. That is fine, you can only attend one university and you seem to me to have very good solid safeties.
My best guess is that if you get into your reaches they are not likely to be affordable.
I think that this is a good list. Also…
For someone who is thinking of being pre-pharmacy, I like the fact that you have at least some experience shadowing a pharmacist. Hopefully you will continue to get some more experience in this area.
At least to me it looks like you are doing well.