Hey @mentallyunprepared I’d say you are more qualified than you might thing. 150 volunteer hours, and work for the red cross, as well as the standard societies and summer courses are helpful. But you will need more recent extracurricular activities to show, basically, that the pandemic didn’t stop you. There would be exceptions for people who are underprivileged but not otherwise. But work for NHS or other societies in social service or event organizing or assisting fellow students would count as recent extracurriculars if you have done so recently. You’d want to talk about that in your essays. Of course, ECs more directly related to your intended field of study would be more helpful.
As for scholarship, it’s completely wrong that you would get no need based aid unless you have no assets. If your family has standard assets, and your household income does not exceed 125k annually, you would qualify for full tuition scholarship without loans at my school. Dartmouth, for example. Other top schools won’t be very different.