I think that if you need, or want, aid to attend then you have to apply for it. Make sure you have financial safeties lined up in case the expensive schools end up being unaffordable.
The amount of institutional aid given by a college is determined by THAT college.
With $100,000 income, there are places where this student would receive a HUGE amount of need based aid. For example, at Stanford, a student would pay 10% of their income to attend this $70,000 University. Same with palaces like Harvard and Yale.
It all depends on how generous the colleges can be with their need based aid.
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Check out this article from the Forbes website to learn more about EFCs: https://www.forbes.com/sites/troyonink/2017/01/08/2017-guide-to-college-financial-aid-the-fafsa-and-css-profile/#321a4c554cd4
The tables in the article are from 2017-2018, but should give you a basic understanding of how EFCs are calculated.