<<< I’m willing to take on student loans/
with parents help probably about $25K a year post aid >>>>
YOU can only borrow $5500 for frosh year. And most schools will ALREADY have that loan in the FA pkg, so you won’t be able to use it towards EFC.
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Income: ~$75,000/yr
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Since you can only borrow $5500, are you saying that your parents can contribute $20k per year??? You better ask them and get an accurate figure.
If you want to go for a MS and PhD, then do NOT borrow much as an undergrad. That debt will grow ridiculously while you’re in undergrad and grad school.
Safeties don’t usually give much need based aid, but some give a lot of merit.
Are you a NMSF?
Have you had your parents run the NPC’s on schools’ websites? You need to do that with a few reach and match schools (not just top schools that are more generous than others…that would be misleading).
Are you applying to UF and FSU? You’d get Bright Futures and those could be safeties. Or do you want to go OOS?
Do you have a non-custodial parent? Do they own a business?