First, congrats on your achievments so far. Impressive grades, test scores, activities–just like thousands of others who will be applying. Question: what was your PSAT score? There’s a difference between NM Semi-Finalist and NM Finalist - I believe it’s based on PSAT cut-offs. If you are NMF, you will be eligible for some scholarships - USC (Southern Cal, not South Carolina) is one for example: https://ahf.usc.edu/meritscholars/merit-scholarships/
Fordam also gives nice merit scholarships (plus Honors College designation) to NMFs. Also ticks your “big city, urban” box. Plus great internship opportunities during the school year.
Another school you might look at is Washington University-St. Louis. They’ve got merit scholarships for top students, too.
https://admissions.wustl.edu/cost-aid/scholarships/academic-scholarships/
If you plan on applying to University of South Carolina and would be happy to attend there, then you’ve got your safety school covered and can focus on matches where you might snag significant merit and reach schools.