A common Federal Methodology is used to calculate what your family will be expected to pay and what your eligibilty for financial aid will be.  This is based on an analysis primarily of income and assets of both parents and student.   Your Family Contribution (FC) is what the government calculates you can pay at any college you apply to.  Your 'need' then is the amount over this (FC) up to the total cost of attendance at a particular school and will vary from one school to another as the total cost of attendance varies at each school.   

So, if the cost at a school is $25,000 per year and you are expected to contribute $10,000, then your need will be $15,000.  You may be eligible for quite a bit of financial aid ($15,000).   If the school covers your need at 68% for example, you are looking at a total cost of $14,800 for that year ($10,000 + 32% of $15,000). This assumes you qualify for the 68% available.   The 68% may be a combination of grants (free money) and work study & loans.  What if the college covered your need at 93%?   Then you would want to know this and perhaps pursue this school instead.   In many cases it may be possible to attend a higher priced private school at a lower actual cost to you than attend a lower priced state school, depending on the percentage of need the school covers.  

Private Schools use an Institutional Methodology  which means many additional forms & deadlines & probable disclosure of an almost unlimited amount of detailed financial information.  There  will be a variety of institutional forms and supplements which are typically not required at state schools.   Finally, If the cost of attendance at the school you select is $9000, then you will not be eligible for any aid, as this is less than your family contribution ($10,000). 

It should be very obvious at this point that without knowing all of these details in advance, it is absolutely impossible to come up with a plan that will allow you to comfortably pay for all of this.  You can see how school selection is extremely important not only for suitability and the curriculum, but for how that school fits into your college funding strategy.   ALWAYS choose 4-6 schools to attend & choose these schools based on what is best for your child's education & future & what works best in positioning your student for financial aid.   With proper planning & guidance you will most likely be able to control the cost of attending any school.   It may ultimately turn out to be out of reach for one reason or another, but how can you know this without seeing all of the information?