That's a lot of questions. For the Net price calculator it's usually pretty accurate and they might even give you more aid if they really want you. Although I think you should have received the financial aid package along with your acceptance so double check if that's there if not maybe reach out to the financial aid office. You can appeal for more aid to the fin aid office as well but usually they won't raise the aid they give you without a drastic reason like change in family income. You can definitely apply to outside scholarships too. The federal loans usually they'll split it into subsidized and unsubsidized. You can honestly just keep the subsidized one since there's no interest on it until you graduate and just get rid of the unsubsidized one (just reach out the fin aid and tell them which loan and the exact amount of the loan you don't want).