If you do apply, and you get in, and you still can’t afford it, won’t that make you miserable? Why do that to yourself.
Instead, apply to a group of schools that you’re likely to get into, that you KNOW you can afford, and that you can actually see yourself attending and loving. That way, when you see which ones you’re accepted into, they’re all good choices, with no nagging “should’a, could’a, would’a” regrets.