It’s not clear here what you mean by “some schools,” but you and your dad, together (i.e. with your dad’s accurate numbers, not your own guessing), should run the NPC for every. single. school. you have applied to or plan on applying to. There’s no reason to keep your heads in the sand until March.
The ship has sailed on Purdue and UIUC, whose RD deadlines were Jan 1. Looks like Michigan has a deadline of Feb 1. Michigan OOS COA is 62k. Michigan may offer some financial aid:
Run the NPC before bothering to apply.