Assuming you can afford the application fees (if there are any) it wouldn't hurt to apply! Every college has a different amount of money they've set aside for scholarships and financial aid, and also each one has a different criteria for how they are planning to award those scholarships and financial aid. So you might get lucky! If you apply to an out of state school and then get a scholarship, it entirely possible you will then qualify for in-state tuition and it will be cheaper.
I absolutely agree that you should apply to those schools if you are interested in them. Most state and private schools have institutional aid or scholarships that you can apply for. You should not let the sticker price (the entire cost of attendance) deter you from applying, you should instead focus on the net price , which is the cost of after financial aid (grants or scholarships) is applied. Take a look at these school’s financial aid website to see what financial aid or scholarships they offer. Also, often these schools have a tool called the Net Price Calculator which allows you to input yours and your parents information to determine what aid you might qualify for.
Finally, check what application these schools require to apply for financial aid. Most schools require the FAFSA( Free Application for Federal Student Aid), schools that offer institutional aid will request a CSS Profile. The FAFSA is free, the CSS Profile has a $25 fee.