^^ What AroundHere is saying. Also, the biggest payout per hour spent is going to be on college-specific scholarships. Finally, keep in mind that outside scholarships do actually risk NOT stacking with internal need-based so you might be looking at a less favorable Fin. Aid. package as a result.
Yep, outside scholarships are considered an extra student/family resource and can reduce your financial aid package. The good news is that colleges usually reduce the loan portion of the package first, so that part works with your family’s aversion to borrowing. I