I agree - but it’s a reach (Vandy).
I’m simply noting have an assured to meet budget safety -because you need a landing spot. Lehigh, Vandy are great schools. But they’re not assured or even likely. Rutgers is but the OP needs safe.
I can’t imagine Rutgers doesn’t work but if it doesn’t, there’d still be time to find another.
I’m only advocating for an assured below budget. It doesn’t matter which. If that’s Rowan, then great.
Honestly I’m guessing Rutgers happens - but it’s 90%, not 99%.
Good luck to OP