As a rough guesstimate…1/4 to 1/3 of your parent GROSS income will be about your EFC per FAFSA. So for $130,000, that would be be between about $32,000 a year and $42,900 a year. $130,000 income would put you way out of range for any federally funded grant aid (Pell or SEOG). Plus those schools using only the FAFSA don’t guarantee to meet your full need (Chicago is the exception. Vandy reserves the right to ask for additional info).
At $280,000 income, need based aid would likely not be happening at all at most colleges.
You don’t mention assets…like primary home equity, the value of your college savings, parent savings/investments. Those things count too.
Is this GROSS income…or AGI or taxable incomes you are giving us.
Use the formula provided above and do the math.