Premed/biology student hoping for T30 smaller school

Your excellent achieves will keep you competitive for any school on your list. You’ll have a +++ chance of admission at any school that is actively recruiting you as an athlete. (From my own local high school, a very marginal 3.7 student got into Yale as a recruited athlete).

The very top schools, such as Harvard and Princeton are very generous in calculating financial aid. They do NOT really give any merit money. So I’d carefully run the financial calculators on their websites. For example, at Harvard, families making under $75,000 get a completely free ride. And even a family earning $200,000, may get about a 50% grant.
Because of their massive endowments, those T5-T10 schools can often be much more affordable than T20-T50 schools.