Wow, that's a tough one, Ashley. Your GMAT scores aren't in range for most of the schools on your list, even though you sound like a qualified candidate in other respects. Indiana, the lowest-ranked program on your list, doesn't give evidence of accepting anything less than 500. So what should you do if you can't score at a competitive level on these tests, but you still dream of a top MBA?
Well, you've got a couple of options. One is to switch to the GRE, which some people find more user-friendly, and in any case isn't as broadly tracked statistically. Another is to apply to schools that don't require a GMAT score at all: there are a few top full-time programs that don't, and several EMBA or part-time programs that don't. Some will require a waiver application, and you'd want to focus on how your strong professional profile justifies omitting this test requirement.
Consortium can provide significant support for under-represented applicants, but test scores still matter at most top programs. So getting in to a top-20 MBA program with a 400 GMAT is pretty far-fetched; however, getting into a program that doesn't require a GMAT score at all, given your biographical details and excellent GPA, might be doable.
I know this isn't the news you wanted to hear, but I hope it helps. Good luck!

Margaret Strother