To reiterate, no college is worth $100k in debt, and you can’t take that on by yourself anyways.
Wait for your FA award. Having multiple kids in school can be tricky on the NPC, but it should be reasonable at the end.
That said, contributing $3k hardly seems reasonable if your family makes over $100k. There is just straight up no way any school is going to give you an aid-based near full ride at that income level. Merit is possible, but apply to some safeties if you’re worried. Good luck.