There is nothing magical about a T5 school. A student doesn’t automatically earn a huge salary just by graduating from HYPSM. You think $90k is worth it, but if she doesn’t want to be in debt for possibly decades to come, that is completely within her rights. Maybe she would rather find a less expensive college and be less in debt at the end of it. Maybe she wants to have enough money for going out, vacations, paying bills, and a home someday.
If she got into a tippy top school, it seems she is likely talented enough to succeed at any college she attends. She will likely be able to earn a good salary as a grad from any college.
We see posts here on CC regularly in which people cannot afford the college they were accepted to. Your daughter appears to be in a similar situation now, even though she wasn’t before. Appeal, but if the FA office doesn’t change your EFC, it might be best to let her transfer elsewhere with your blessing. A T5 school isn’t a good reason for a student to be saddled with $90k worth of debt for an undergrad degree.