Do those NPC calculators consider loans? Out of pocket $31K might need loans added on as well.
Just FYI, the national average out of pocket for private schools is $32K and in state public unis is $19K last time I checked.
I have been flamed on here before for saying this but if the average private college is coming up with a number that approximates $32K, then basically they are providing a tuition discount to entice your kid to enroll. Remember the average discount for most non tippy top schools is ~55% off sticker.
Because of these games, I think it is always better to have a few state school type safeties. Western Carolina is a great school. Very underrated for what they provide and attracts a lot of white rural kids of modest means. UNC-Pembroke has a very diverse student population and much more of a commuter campus feel. Given your circumstances, I encourage you to consider both.
Also, community college is not for every student. Sometimes, we fail to appreciate that. It is much more a checkbox type environment with minimal advising and support services. Classes can be disruptive, professors can be iffy. If your kid is not motivated or ill-prepared for independent work, CC might not be the answer.