I’ll go a step further.
if it is going to cause your family financial hardship, I don’t think you should go through with applying. Let’s not waste everyone’s time.
The college will expect you to have done your due diligence by running the NPC in advance. Assuming you don’t have one of the exclusions that impacts NPC accuracy, if you’re not comfortable with the NPC results, don’t apply.
Yes, the college won’t force you to attend. But breaking an ED agreement is not as simple as sending an email declining the acceptance. When the actual aid matches (or comes close( to the NPC, the student and parent will be expected to have a conversation with the FA office before being released