How much is your family willing to pay each year? A half tuition award could be nice, but you’d still have $45k+ per year to pay. Is that fine with your family?
That said, I don’t think you should expect merit from a top 20 school without something that the school really wants. Are you from a state that sends few students to T20 schools? Sounds like you can’t offer a T20 ethnic diversity, but is there anything unique you would offer? Any amazing accomplishments?