I'm from divorced parents and my mom (my custodial parent) makes around $110,000 and my dad makes less than $60,000. Overall, we are $160,000 in debt because of our house. The net price calculator says that my EFC is $15,000 and that my total cost will end up being $23,000. The calculator claims that it will give me $36,000 in grants. The cost seems a little on the low side compared to what I have read. Is the calculator accurate, or does the financial aid office end up giving less money than they claim on the calculator?