Brandon, what math class are you in right now?
Because if you’re very advanced at math (well beyond AP Calc) then it’d likely trump the 3.5. So any information about the classes you’re taking in this subject/expect to take in the coming year, plus any competition you’re considering (USAMO etc) would be useful to providing you with correct information. 
Regarding EFC: Public universities use FAFSA, but the colleges that give the best financial aid use CSS profile. CSS profile uses both parents’ income. Enter both parents’ income (as well as their partners’/new spouses’) into FAFSA to have an idea of how that changes yourEFC for Profile Schools.