Chance Me - schools to the caliber of IU, UW Madison, U of I, or Loyola (all early action), and Match Me to other schools which could work for me please!

I likely will qualify for need based aid, and I will talk to my parents again, as they were saying 12k as more of an arbitrary number than a hard rule. I will also look at other advice and such online about paying for colleges. I’m not sure if I could get a merit anywhere, though. I am willing to commute if the need arises, although it would not be my first choice. Thanks for the help!