That’s helpful. So sounds like your EFC based on Midd’s formula is $24K or so? What can/will your family pay per year of college…is that $17K after the $5.5K freshman year loan and work study the very upper end? The NPCs might not be accurate if your parents are divorced, own a business, or own real estate beyond a primary home…are any of those the case for you?
Mount Holyoke is definitely not a safety academically, have you run their NPC? If so, what does that give for estimated COA?
Do you have a SUNY and/or CUNY for safeties?
You might also run CB’s FAFSA EFC estimator here: Expected Family Contribution (EFC) – BigFuture | College Board
It’s great that you are doing this budget work your junior year, so there are no surprises senior year.