With a 3.9 and 36ACT coupled with household income of less than $100K and another student in college, you are in good shape! Take a look at the schools that meet 100% need, many of them will be match schools for you. Of course, most are LACs but there are Unis on there. Also look at auto scholarships for your stats. Honestly, I’d be surprised if you couldn’t find a very affordable school unless your criteria is somehow substantially limiting.