To answer OP's question, nobody is answering because no one knows. Schools are all different. I think you would still be expected to cover at least $10k, tuition increases every year, and there are a lot of fees you don't expect. But there are the rare kids that are allowed a little bit more aid than that. But no one can predict where or who.
Apply broadly, don't get too emotionally tied to schools, and see what happens.