And they aren’t making me have any student contributes or any parent contributes
Huh? You are being left with a bill. You have not yet shown us 100% of costs are covered by the schools, far from it.
Don’t be confused by “0 EFC.” The simple math does not add up to no student or parent cost.
The State school offers 5800 and 8k?
22.5 - 14 = 8.5. You take the 5500 freshman student loan and work.
But notice: you are contributing. They did not offer you 22.5.