"So total would be about $115k. $90k wouldn’t be enough. "
Yes, some state schools are more expensive then others, so in your case $90K wouldn’t be enough. However, if we sent our son to a state school in New York, $90K would be more than enough.
My son went to a college with a COA of approx $240K for 4 years but because of FA the total cost was only $80K.
The girl said in her interview her bill for senior year is $20K.
“Kim has one year left of school and no way to cover her remaining $20,000 tuition balance.”
http://finance.yahoo.com/news/a-college-student-blows-inheritance-bert-show-205833329.html
$20K x 4=$80K
Now it may be that her parents are paying for her room and board but she obviously was able to pay her share the first 3 years she was in college since she is going into her senior year.