I’m thinking you should consider high merit (possibility) rolling admissions schools like Pitt (well-known for good pre-med opportunities and potential for merit aid) or U Alabama (well known for guaranteed aid for certain stats).
Then you need to run some Net Price Calculators at high need schools like Harvard (great with need - very difficult to get into) of U Rochester (generally great with need and a bit easier to get into - also known for pre-med). I’m not sure where U Penn fits on the need based aid scale. You could check. You can check the Net Price Calculator on ANY school you’re interested in to get an idea of what might happen.
But still, apply to some safety schools including in-state versions like VT.
Once you have acceptances and financial packages, then decide which school fits you the best of those still in the running.