OP, you might want to run the net price calculator for each of your candidate ED schools as soon as possible. Although your parents are able to afford $400k, it is possible to have “pleasant” surprises when you see the NPC results. Depending on your family finances and a school’s financial aid formula, you might end up having to pay only a fraction of the school’s sticker price. For some families, every bit helps. Even if you expect to get $0 need-based aid, it’s still good to know that you have explored it and will be making informed decision on where to ED. And in the (perhaps unlikely) event that you do get some aid from some of your candidate ED schools, the new costs of attendance might change the way you and your parents see them.