Affording College (w/out qualifying for need-based aid)

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TLDR; my parents are paying for only a small portion of college but they are upper class so I do not qualify for enough/much/any need-based aid. What do I do?

Honestly, there's not a lot more to say - my top schools cost a decent sum of money which my parents frankly will not (understandably tbh) cover - they're only willing to pay for 1/3 or less of some of these tuitions. This is totally valid on their part because I wouldn't want to spend double my annual income on my kid's college either, but the problem is they earn too much for me to qualify for need-based aid and won't pay the full tuition, leaving me unable to afford the type of education/ environment I think is a match for me.

I am definitely going to apply for as many scholarships as I can, but only ~7% of college students receive scholarships and, since I am already applying to very competitive schools, I don't see myself receiving a large enough sum to cover the remaining 2/3 of the tuition.

I don't know much about the loan process, but from what I've heard it's, like, bad... The average student spends 21 years paying off student loans, and as I plan on going to med school/grad school I am just not rocking with that if there are like any other possible options.

Really looking for someone who knows about the financial aid process - does contacting schools, if admitted, help? Is there a way to register with how much money your parents plan on contributing, rather than how much FAFSA assumes they should contribute? Any other solutions? Please?

I understand why financial aid is given to those in lower-income households and I am all for it, but, unfortunately, I cannot control how much my parents are willing to contribute to my tuition :( I will have a solid $5k in my bank account when I go off to college, which won't even get me a dorm room, so I'm pretty desperate for solutions. Any help is appreciated!

(side note: yes, going to a really cheap school is an option, but due to some really specific [private]! situations, a large part of my overall success in and after college is based on size, location, resources, community, safety, etc - many of which are features harder to find at cheap/large schools. i'd prefer to exhaust every option first.)