@wiindbreaker
APPLY. You have a lot to possibly gain and nothing to lose but time and application fees. If you’re cool with spending your time and a little money, go for it.
REALIZE. Your chance of being admitted to a T50 university is incredibly low. Let’s look at #53 Villanova which has an overall admit rate of 28%. Only 1% of incoming freshmen last year had a high school GPA below 3.0, and only 6% of incoming freshmen were below 3.5. Your chances will not be promising. To be blunt, your chances will be closer to zero than even 5% for most of the T50 schools. Dream, but realize reality.
PLAN. Take your shot with some T50 schools if that’s your dream, but also create a plan for yourself that will have a greater chance for success. This means investigating more schools in the 90-150 range and beyond. This also means investigating Liberal Arts Colleges in the 40-100 range.
GUARANTEE. Cover your bases by applying to 3-4 in-state public universities that you are certain to be admitted to and your family can afford. This way, if your dream schools deny admittance and your target schools do the same or prove too expensive, you have an option for college.
Keep working hard.