EFC confusion; 1 in coll last yr = $35k; now 3 in coll =$20+$20+$20??

Your daughter will be able to borrow the following:

Freshman 5500 (3500 sub, 2000 unsub)
Sophomore 6500 (3500 sub, 3000 unsub)
Junior/senior 7500 (3500 sub, 4000 unsub)

the graduate school part of the degree $20,000 all unsub (after completing the undergrad degree as she would be an independent student. Otherwise, she would still be a dependent student).

For PLUS loan, you can borrow the full cost of attendance - any financial aid. If you are denied a plus loan, then your D can borrow an additional 4k unsubsidized.