Her rigor in math is likely too low too for the top schools (in addition to the GPA and test score).
Your biggest issue is budget though - when you have a budget, you don’t build for big names but rather for budget.
So IU is good - if she loves it you can stop there. Or if she wants nursing, you might find a direct admit. And I think IU nursing might be in Indy.
But for OOS public, she’ll need schools like Ms State, Central Michigan, Louisville, Tennessee Tech, W Carolina…but WVU and KU should likely work and probably many of the schools on the MIdwest Exchange list. If she wants nursing, Marshall would be a great choice and it’s direct admit.
For privates - whether Notre Dame, Vandy, Rhodes, Carlow (for nursing), Case Western, Dayton, Marquette, Xavier- wherever - you’ll need to fil lout their NPCs. I put one below.
Each takes 10-15 minutes but it’s worth it for you to see who else might be out there.
The beauty here is - nurses do well from wherever - we need nurses, right? So it doesn’t matter if it’s Pitt or Ball State.
Public Health or Psych - both likely more school - or is she thinking something in health, like radiation therapist?
If that were the case, it introduces different schools.
But budget first and foremost so run the NPC. I added Butler as a second - they get aggressive financially but will have a different need tolerance than Vandy. At $150K, I suspect they will give you merit, but not need aid.
Given the majors, I’d be less concerned with the school name…but that’s me. But yes, budget is criteria A, B, and C, especially with a limited one like yours. C MIchigan might actually be the best school from a cost POV - I know a plug was made for NMU earlier.
CMU has no OOS tuition - so today it’s $28.2K the first two years and $29.9 the last two years - direct costs (they put $450 health in there you might be able to waive with your own insurance).
She would get either $6K or $7500 depending on if they are using a weighted or unweighted GPA - you would use her SAT - but that gets you close to $20K.
MS State is about $42K for tuition room and board - but if they take your 4.1 as is, she’d get 19K off. If her SAT got to 1390 or an ACT (you can try) at 31, that gets you $24K off and you are under $20K.
This is sort of the stuff you have to play around with at publics.
Good luck