say jjjwyat - i just ran the NPC for cornell as we had same situation here (1 wage earner at your amount, 2 in college). our info was saved in the collegeboard npc. Our net price came out to be $28K; that included a $7500 loan; so out of pocket we’d pay $21. Daughter’s FAFSA efc was $16k or so (with 2 in college) . . . so . . . Cornells’ NPC was a bit more than the Federal EFC . just FYI!