I am gonna give you a whole bunch of information, just disregard anything you already know!
Finances: You should not have to pay for your PhD. No respectable program charges its students. Your university should waive your tuition and fees, and you should be paid a small but livable stipend. (I get 27k, which was relatively generous back when I was applying.)
School selection: The schools named above are GREAT for undergraduate degrees, and very competitive. They are not really anything special for neuroscience though. (Nothing wrong with them, but they are known more for undergrad than grad programs.)
You should select your school 100% based on potential advisers. This is not just about finding someone you get along with—you want to work for someone who is well-known in the field, likely to retain his/her funding for the entire time you’re in the lab, and who has access to equipment and collaborators who will be critical to your research.
My best advice for this is to read a lot of articles in your field and see which names keep coming up as authors. (The last author is almost always the person in charge of the lab, or the principle investigator—this is the person you’re interested in.)
Try to find a school that has several advisers that sound like a good fit. Most programs will let you (or force you to) rotate through several labs before committing to one. This will help you determine which advisers are, as you say, good, smart, and kind.
Making yourself competitive: I know you didn’t ask about this, but I’m gonna give you advice on it anyway. Your GPA, as is, will not be that important (it’s in the realm of “just fine” without going into “holy shit!” in either a good or bad direction). Just try to get solid GRE scores too. One other consideration—make sure you’ve taken all the prerequisite courses for neuroscience. Most (though not all) programs require a year of biology, general chemistry, organic chemistry, physics, and calculus.
The most important thing you can do to make yourself competitive is get research experience. If you don’t have it, no program worth going to will accept you. If you are already doing this, do everything you can to get (1) an awesome letter of recommendation and, if possible, (2) authorship on a paper. If you can achieve both of those things, you can practically write your own acceptance letter into the program of your choice. (As long as the rest of your application is strong.)
Last, one specific school recommendation: The first name that comes to mind when you say music and the brain is Daniel Levitin at McGill University, which technically violates your only geographical stipulation (it’s in Canada). They have a great neuroscience program if you’re willing to hop the border.
If you have more questions I’d be more than happy to help out. Good luck and keep us posted!