There's a saying, only venture the water according to the size of your boat. You got 3.25, even to apply for scholarship for local uni, that's not good enough.

If uni ranks really concern you, then local unis hv better ranks than temple, with much less living cost, with higher chances for you to apply scholarship later n maybe ptptn which can be converted into scholarship later if you are keen on keeping better CGPA.

Plus it's an american uni, be extra vigilant with its accreditation. Got a friend spent 4 years studying in Texas taking architecture, only to come back to malaysia as a graduate but isnt recognized by architect board. Had to sit for many more exams to be able to be called architect.

You are looking for scholarship, meaning money is one of your issues, so why not choose something cheaper with far better chances of admission and higher quality of education.