T20 is a term that assumes college rankings are useful in the first place. They’re not. The best thing to do is find an affordable school that’s a good fit for your interests, and not worry about what other people think. Also, just because you can get into Duke or another “T20” doesn’t mean you should. Rankings are the fastest way to pick the wrong college and end-up in a 4 year academic prison sentence. Put cost as your precondition, and take your time choosing a school that’s right for you.