For OP and any others following this thread, keep in mind that “full need” can include varying amounts of loans, also it’s “full need” according to the school’s calculations which often differ from the family’s point of view. And, as has oft been said, the online calculators don’t work for many situations such as divorced parents, business owners, and situations such as student living with relatives not parents.
We considered both Colgate and F&M for my D (HS senior) but have not visited either. I would be happy for her to attend either but we found other schools that we feel will be a better fit. She/we have similar concerns as OP but also looking for a more “alternative” style environment.