It is probably worth running the Net Price Calculators at some of the colleges of interest, just to see. Some of the more generous colleges will give need-based aid at 150k income – however, they are also some of the more selective colleges. But it is likely worth taking some time to see.
As for the ACT, he can take it through December and most colleges will still accept the score. And he should also try the SAT practice tests – some kid do much better on the SAT than the ACT, and vice versa. And of course, many colleges are test optional right now.
Two schools that have Cog Sci and that are within your price range even as an out-of-state applicant with no need-based aid are Cal State Fresno and Cal State Stanislaus. However, most of the Cal States tend to have a large commuter-based student body, so he has to be okay with that – and California is taking fewer out-of-state applicants these days. However, with his GPA he will be a strong applicant, and the Cal States are not accepting standardized testing for class of 2022.
And as noted above, I would take a serious look at McGill, especially if he can meet their GPA and testing requirements. They have an excellent Cog Sci program and would be affordable even without assistance.