Maybe I’m misreading this…but this OP doesn’t sound concerned about the cost of college and actually says he can afford more than his EFC indicates. And that it was a one year issue,
He is concerned about how this low EFC might affect admissions.
I’m not sure admissions at these schools will have any idea what the family EFC even is.
Apply and wait for the admission results.
And then if the costs are affordable, the student can attend.
Maybe the OP can clarify…but it didn’t sound to me like paying was his issue…he was worried about admissions.