I want to second the above suggestions to consider Midwestern (and other) Liberal Arts Colleges that give merit (you mentioned Oberlin, and there are several on that list of a similar caliber). In fact, Grinnell is ranked 13 but gives generous merit (on a selective basis, of course). This is what we did with our daughter who wanted a LAC experience but we needed merit to afford one. She ended up being accepted into every single one she applied to with generous merit or a mix of merit and need-based aid, which made most of them affordable. Our situation is different, of course, because we’re US citizens, but it’s definitely worth a try. These colleges offer an excellent education, on par with T20 universities, or even better in some cases.