<p>“Students with an H-4 don’t need to change visa status in order to study in the US, but they aren’t eligible for work authorizations like holders of F-1, M-1, and J-1 visas.”</p>
<p>That’s not entirely true either. I had an H-4 visa before I applied to colleges, and I received a work permit (had to pay 100-something dollars for it), so I could work legally in the US.</p>
<p>But to address the OP, it is always more difficult for international students to get financial aid, whether it’s in terms of merit scholarships at public schools, or need-based aid at private institutions (except for the ones IPBear listed). I got lucky and received my green card two weeks before sending out apps. I sincerely hope the same happens to you. If not, I recommend researching online to find some schools in your area who are more generous with financial aid for international students. These will usually be small, liberal arts colleges - maybe not the best ones academically, but certainly not your worst picks</p>