That is your choice. And I don’t see what that has to do with the OP to this thread at all. If your kids have the stats to get accepted at T20 schools and you need money to attend…they would very likely get accepted to schools where merit aid is possible.
To the OP to this thread…your kids do not have to apply to and attend T20 colleges. You might want to look for schools where merit aid is a good probability…or is guaranteed based on their stats.