Thank you all for your detailed posts with answers to several of my future Questions. As well
My D likes her current Undergrad School and future MD program,. Just She just wanted to try it out Top ranked schools as it gives her opportunities to live in different city , school atmosphere etc . Unlike several BS MD program which are 3 years and locked to try out , her current BS MD in this school is 8 years and allows to try different schools ( per agreement/ contract signed 3 years ago) with out losing her guaranteed spot . For example, several of her seniors from the guaranteed have gone to JHU, Harvard etc.
After reading all your post , based on cost etc.Probably she will focus on applying to all in state schools to see if she gets better scholarship
Thanks once again for great insight information