OU has a lot of NMFs but that is lilly changing. They dramatically reduced their NMF oos package this year.
My DD chased the competitive merit and I agree she was very worn out by the process. At the end of the day she couldn’t justify the difference between the big money NMF schools (UCF UK UA) as compared to those shools that didnt even fully cover tuition. Beyond tuition it is fun to be wanted. The book Debt free U was influencing for my DD.
https://books.google.com/books/about/Debt_free_U.html?id=Vi_4jwEACAAJ&hl=en