Our family income is similar to your projected income. We don’t have large savings or property other than our primary residence and our EFC is in the neighborhood of $5k. Yours may be different depending on actual income and assets. With that EFC, all my son will qualify for is the federal student loan ($5500 as a freshman, $6500 as a soph, and $7500 each year as a junior and senior) and maybe a Pell grant of a few hundred dollars. Your best bet is to check out colleges that will give you merit money for your stats. Make sure you have a financial safety in the mix too.