Saint Joseph's College of Maine in Standish, Maine seems to meet almost all of your criteria as for the guaranteed housing that is something you would need to call about, the body of water(lake) is within a 5 mile radius and the ocean with in 25 miles. Maine is consider the Eastern US, tuition per year is about 4k more than your looking for, but if you are going out of state most colleges will work with you and lower the tuition. not catholic, has a psychology major, creative writing minor (English was the only close major) and marine sciences major. there admissions stats and your scores are similar so that won't be a problem. only thing is that it is roman catholic.
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