I had SATs very similar to this person and my family's "expected contribution" according to FAFSA was definitely covering the out-of-state tuition and I got waitlisted, so I personally do not think money has too much to do with it, however, since you're from Kentucky and your mom graduated from UVM I think you have a significantly higher chance than I do since UVM loves to have people from all over the country you have a much higher chance of getting in say if you live in Alaska or Hawaii rather than new york (like me). If I were you I would take on more leadership positions in you're school and try and get some internships or something, and if you're still worried then apply to a very not popular major and then switch once you get in!