What you can do now? Get your test scores up, it’s great you’re trying the ACT too, figure out what one is more suited for you.
I do think you should be casting a WIDE net of schools. I don’t think it’s crazy to apply to 20-25 schools. Based on your circumstances you should be able to get application fees waived. You may want to take finances out of the equation, but you want to avoid saddling yourself with excess debt (that’s assuming you can even qualify for private loans).
I think with the right list of schools (including the ones you are targeting) you are going to have a lot of places to choose from that are a fit academically & financially. I look forward to hearing about your progress as you continue on your journey!