>If someone's parents make $100K/year then they aren't going to pay anywhere near that $80K/year figure.

In my case, using the calculator estimate dropped it from $79k to $70k. And this is just an estimate, I doubt I would even receive 9k from the needs based scholarship. https://npc.collegeboard.org/app/bu?sessionId=N5uYUvK7OuteM4