Did you apply to any states schools in VA, UVA, W&M? my rough math is you need about 30k a year in loans, your parents can do 36k, you can take a 5500 loan and you said you have 7k in outside scholarships, You would be better off being a full pay student at UVA or W&M, I would run to each of them and see if you could be a spring admit, no shame at all in going to UVA or W&M, you have said your parents credit is not great they sold their home at a loss, and it seems their make 200K but might live like they make 300K, learn from them, they are very kind to pay 36k, but at a 200K income, a side business and 100k in the bank, I am not sure what you really expected a school would cost you, since you applied to 12 schools what were the non ivy’s?