@averageapp1852 - Let’s focus on your 20k budget. What is included in that 20k?
Are you a US citizen or legal permanent resident and can file the FAFSA so that you qualify for federal student loans? If so, does the 20k include your own possible earnings and federal loan, or is the 20k what your parents can pay and your earnings and/or loans would be in addition to their 20k?
Do you have a state of residence in the US where you are eligible for in-state costs at the public colleges and universities? If so, according to their websites, what is the reported Cost of Attendance at the public universities that your guidance counselor believes you would be admitted to?