I’m going to say this one last time.
You need to contact the college financial aid offices. No one here can tell you anything else. The colleges will tell you what’s what.
With a $97,000 a year income, I’m not sure how you can pay your net amount at SCU. It’s very high. Unless you have additional assets also…and those count too when financial aid is computed.
But call the financial aid offices…that’s where you get your answers to this sort of convoluted situation.