It’s surprising that schools’ NPCs would be that much lower than your forecasted EFC.
Can your parents afford the EFC of $29K? Can they afford what you are seeing on the NPCs?
I see that no one has answered your question about how getting married would affect financial aid…that would make you an independent student whose parents’ financials wouldn’t be used in FA calculations. But there may be complexities and big disadvantages to that strategy, and I will ask @belknappoint, @kelsmom and @thumper1 to weigh in on those.