Agreed with all that was said so far. I also know of others who did hybrids of @Twitter's and @GitHub's routes and are now successful lawyers and accountants!
@HejiraOn the flip side, don't count yourself out if you do want to apply to a "top school." Yes they can be expensive but some actually offer really good fin aid packages where you can graduate with little to no student loans/debt. And grades, standardized test scores, and "resume" aren't as important as you might think they are. I didn't think I had a chance to get into a top school, but was encouraged to apply to one and managed to get in despite not having the best SAT score or starting non-profits, etc. Your essays and recommendations are good reflections of your potential. These schools like to see genuine people with passion and grit. imo your experience thus far can be in your favor!
I know it is a nerve-wracking time, but as everyone here has shown, you can get to the same end point by taking different educational paths. It is a matter of what works best for you. Good luck!