If your parents income is less then $40K with no significant assets you will be a full ride at Columbia as it would be at almost all of the top 20 universities that meet full need without loans. It would also include travel and other incidental costs. Run the NPC’s at all of them and you will come out with an EFC near zero, still you will have to do work study and work during the summer to make the $5K or so that you would be required to contribute.