Where do you place affordability vs lacrosse ? In other words, you’d be at $20k a year or less all in at schools like Bama , UAH, Arizona. Perhaps they have club teams. These are auto merit. There’s more.
Or if you want an LAC both Oglethorpe and Hendrix have programs to match your flagship tuition although those aren’t assured.
Given your desire not to saddle debt on your kid…good choice….is a large public with Honors College acceptable even if it reduces lacrosse to a lesser level ??
Btw. The EFC matters less. You should run, for example, the Claremont NPC to see what they say. All schools are different.
Some schools like Bradley and Hofstra plus publics like Mizzou and ASU will tell u up front in their NPC (scholarships) but I think most just include need.