Again, look at the FAFSA formula and see if you can replicate the EFC. However, none of the Ivies use FAFSA to determine financial aid and their calculations are highly likely to expect even more money from you and your family.
Your family’s 2018 income is used with assets as of the date you sent in the info for financial aid. Any money contributed to a pension or 401k plan are added back to income. Also, it is possible for some schools to give a business, a partnership a value and deductions and depreciation taken on any such income added back. Home values are usually included in assets at PROFILE schools,.
Though once you get a good idea how the school came up with their need numbers, you might be able to address some of their assumptions, it’s doubtful you are going to be able to beat down the cost to where you feel is affordable.
If your family supports taking out loans for your college education, that is an avenue they can take. But it’s up up to your parents as they will have sgn for the bulk of the loans.