G.B.
If they aren't attending a college they don't qualify for a college financial aid package. Is there any reason they can't go to college? Almost all Jr. College's are prepared to help the students pass the classes so they make good grades.
I have never heard of just testing out of the basics and not going that first year. I guess it works for you since you've done it once already.
I think that you need to go to a local college and just visit with the FA adviser there. They can tell you how to fill the FA paperwork out better.
Also, once you do decide on the college she'll be physically attending you can go there and get some links to their scholarships pages and start the task of looking and looking.
When I was at OSU they had a room where there were tons of pages to look at, some scholarships were for red headed green eyes adult's who were studying vet med or some such thing. That person had lost a child that had wanted to be a vet. So they left their money to the college to be given out via scholarships to a specific type person who would remind them of their daughter. There are all kinds of exclusive scholarships like this out there.