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I know — I was speaking broadly rather than to your specific situation. Unfortunately don’t have super great advice for you. UM is a great option and good but non-elite private schools usually have some type of merit aid.

Your weighted GPA is meaningless without context. What’s your unweighted GPA? Approximate class rank? ECs?

College Confidential may be better suited for your question.

Hard to tell without your unweighted GPA and the rest of your application, but here's my two cents.

1500 is a good score for a lot of the semi targets that place well into IB. I'd start with that list, some are more competitive or generous than others.

I'd recommend looking into both less expensive match schools, and private schools that give a lot of merit aid where you're overqualified. UIUC, UT, UNC, IU Kelley, UCLA, UGA would all be at or around 35k with no aid. Depending on your stats the expensive private schools like BC, BU, UMiami, SMU, Villanova, Emory, W&L might give you a ton of money. You don't absolutely need to go to a target to get into IB.

Since you're max budget is 35k a year and you know for a fact that you won't get any Financial Aid (I'm assuming your parents make over $250k combined), probably the best thing you can do is just apply to other strong semi-targets in the off case you don't get into Ross and hope you get some merit scholarships. Possible options include UNC, USC, UCLA, UT, Indiana, Boston College, Northwestern, Emory, Vanderbilt, Wash U. Maybe throw in an application to like Georgetown or Cal as well.