@tptptp your high stats may attract significant Financial Aid at some colleges, and not nearly enough at other colleges. When chasing significant Financial Aid (Need and Merit) it is necessary to conduct a broader search for colleges than you may have so far.
You seem to have picked up the lingo of Safety/Match-Target/Reach but don’t forget those terms apply both to your stats and to affordability. A true safety is one that you are certain to be accepted AND you can afford to attend. With a $12K/yr budget (not including your $5.5K DSLoan) you need to do some searching.
A lot of kids fixate on schools listed in the top-100 on any given list. On one hand, many of the private colleges in the top-40 schools will provide significant Need-based FinAid for students. On the other hand, any school with a <30% admit rate is a reach every applicant. Private universities ranked 60-100 may offer better admit rates, but most do not guarantee to meet the full-financial need for applicants. They don’t need to because they are overflowing with applications from high stats students.
And that’s not even taking into account the public universities in the top 100. Except for a very few exceptions, none will guarantee to meet the full financial need of admitted students. And most of the few who will (UVA, UNC, maybe a couple of others) are extreme reaches for OOS applicants. A few others Alabama, U of SCarolina, Miami of OH, will have very generous scholarship opportunities for extreme high stats students. Others like Arizona provide generous merit-based aid, but maybe not enough to be affordable to you.
So where does that leave you?
First, as you know, apply to every in-state public university that you can. When you have extreme Financial Need, you can’t be extremely picky. These are your safeties, in both price and admit rate.
Second, go beyond the top-100 schools on any given list. You have to search for schools that have what you need, but also want to entice more high stats students to apply. Go deeper. Instead of focusing on UMd, investigate UMBC where they have Merit Scholarships up to $22K available. With a ~$40K/yr price, that $22K, added to your parents’ $12K, added to your $5.5K DSL might make UMBC an affordable option. Don’t always focus on the flagship university in each state. Look at the next school, and the next, and the next.
Third, when it comes to private schools in big cities, every high stats HS student targets NYU, BU, BC, USC, Chicago, Villanova, CMU, Fordham, Bentley, and the other usual suspects. You should also target other schools in similar locations. Try Manhattan College, St Joseph’s, Marquette, Chapman, USF, Duquesne, and others. Not every student can get accepted into and afford NYU, but NYC has many other good colleges. Those other schools I mentioned will give you a better chance (better, not guaranteed) at getting accepted and possibly earning enough through Merit Aid and Need-based aid to be affordable.
Fourth, you should dig deeper into the Liberal Arts College bucket. Don’t focus only on the top 30 LACs those high rankings come with low admit rates, which means they are very reachy. Look deeper. Look at the book Colleges That Change Lives. There are other books too. Investigate which have the combination of major/location/feel/FinAid that you’re looking for. There are a ton of fine LACs within a 6-hour drive of you. You should easily be able to find a dozen that suit your wants - then you apply for admission, for scholarships, and see what you get for need-based aid. Also, don’t forget to fill out the NPC at every school that you are interested in.