“… but I am doing my best with what I have.”
That plus diversity is largely what top schools are looking for.
You should think very hard about what you want in a university. Don’t just apply based on rankings. Make sure that you have realistic safety schools that you apply to and check the NPC (price calculator) for schools and find out what you can afford. It sounds like you are doing well and if you have a good reason to apply to highly selective schools then it is probably worth trying.