This is very helpful. Given your superb stats it does seem likely to me that you will be able to stay at or below this number at some very good university, but it might not be one of the famous big name schools. Harvard and Princeton have good need based financial aid, but their understanding of “need” might or might not correspond to your family’s understanding of “need”.
If you are majoring in anything for which a master’s degree or MD or DVM or similar unfunded graduate program is likely, then you should definitely avoid or minimize loans for your bachelor’s degree. The maximum that you should consider spending is either what an in-state public university would cost, or whatever you can afford with only the federally subsidized loan amounts ($5,500 for the first year, for example). Even this much debt is iffy, is something you would need to deal with for a while after graduating, and is something I would only take on if necessary and/or maybe (or maybe not) for a school on the “Harvard / Princeton” level.
When your run the NPC, pay attention to whether the suggested likely financial aid includes loans. In many cases it will.
Do not apply ED anywhere unless both of the following is true: (i) It is your first choice; and (ii) The NPC shows that it will be affordable. Otherwise you will want to compare financial aid offers, particularly since your superb stats makes merit aid very likely at some schools. However, the top schools including Harvard and Princeton do not give any merit based financial aid.
It is reasonably likely that your superb grades in high school will mostly help you in terms of both allowing you to get merit aid at schools that provide this, and helping you to be very well prepared to do well at the tough premed classes that you will be taking when you get to university. Both of these are of course huge.
I might add that neither of my daughters were premed, but one was pre-vet (she is currently in a DVM program) and the other was a biology major interested in research (she is currently doing biotech research). Both took quite a few classes that overlapped with premed classes. Even though they were not premed, they still were taking many of the same classes. They did well, but I heard multiple stories about how tough the classes are. I also got to meet several of their friends who were premed. At a very good public university such as Purdue or IU there will be quite a few very impressive students such as yourself who will be working very hard and getting a very good education. You definitely would not be the only strong student. Premed classes will be full of very strong students.