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It's easy to get the crap scared out of you when you look at the sum of all the things you have to pay for at Baylor. I am in a similar situation as you, but my EFC actually was about $3,000. Of course, I was worried about financial aid too, but trust me, Baylor's financial aid is pretty generous.
Gymmom is right with the merit-based scholarships. It might be worth retaking the SAT/ACT because you get a couple more thousand dollars. There are departmental scholarships for entering freshmen as well.
If you just keep a high GPA, class rank, and a great SAT/ACT score, you can get a pretty good merit-based scholarship, and then Baylor will probably give you a good need-based scholarship as well. Since you filed the FAFSA you'll probably qualify for a Pell Grant and then some Stafford Loans. If you need some additional money you can take out a PLUS loan, but if you get denied for that, you can get another Stafford loan.
My advice is just keep in touch with the people in the financial aid office at Baylor. They've been a lot of help with me and I think they can help you as well.
Good luck!
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