If, and I agree with you, no reason to assume, too much pressure - but if he hits NMF, then your $35K gets shattered - schools like Tulsa, Bama are near full rides (Bama for 5 years tuition, so you can get a Masters and a yearly stipend), UTD, Houston and others also have excellent deals. Some of the Florida schools too - although their quantities are limited.
It’s why these schools - at last count Bama had amongst the most and Tulsa the highest % - why they are so popular with NMFs.
Other schools give you nada or a small scholarship.