I expect you know that Scripps won’t get down to 30K on merit alone. Best-case with max merit is in the low 50’s.
My first thought when reading your post (before I got to the budget part!) was Northeastern. You can do a Business+Psych combined major there, and they have a recreational climbing club as well as a club team. The Business+Psych major is also available on the new Oakland campus, a.k.a. the former Mills College. There’s merit to be had - not enough to get down to 30K, but probably comparable to Scripps.
Not “outside of California” but U of San Francisco tends to give merit to match UC costs for strong CA students. They have both marketing and of course psych majors, and I’d expect (but don’t know for sure) that you could combine them. They also have a climbing club that is well-connected to the larger SF climbing community. My kids’ friends who have gone there have had very good experiences. (And they’ve all been LGBTQ kids or strong supporters.) Almost 6K undergrads so it fits your desired size. There may be similar schools outside of California, in addition to Fordham - maybe Seattle U would work? U of Portland? (Not Jesuit like the others so possibly a little more conservative, but nothing in Portland is that conservative!)
U of Puget Sound is good for both liberal arts and business. Pretty generous with merit. Smaller than you want but maybe worth a look.
WWU might work - WUE is competitive there but possible.
U of Denver - maybe too expensive but good size & location and excellent undergrad business.
Good luck!