@yoharamona, Congratulations on your achievement. I believe there’s something wrong in your FA. Penn is pretty generous in FA. If your family income from all resources including your parents’ salary and others is around 50k, it is hard to believe you will pay around 22k. Go through your all documents for FA first and then contact Penn FA office. If anything is wrong in Penn’s side, Penn will definitely correct it. If your family all income and assets is much higher, the story is different. Penn FA is need based.
@yoharamona, Penn probably did not make mistakes in your case based upon your update. But you can try with solid foundations. GL