Yes, I agree. What do you define as “upper middle class”? And do your parents own a business or take business deductions? Do they own properties other than their home? Do they have a lot of home equity?
Sure, go ahead and maybe apply to a couple of schools that give super-aid if your parents have run the Net Price Calculators and see that you likely will get enough aid.
But, it sounds like your parents already know that their finances are such that you won’t get any aid or get enough aid.
Have you asked your parents how much they will contribute each year? If not, do so.
What is your career goal? What are your stats? Where are you applying? What schools with ASSURED big merit for YOUR stats are you applying to?