Seems like I can find no scholarships pertaining to me - an average upper-middle class white male

Florida schools do require a summer session, but the schools are very creative in how students achieve that (or it get waived). I know many students who start in the summer to get it over with, the schools can give extra financial aid for summer (Bright Futures doesn’t award in the summer), they take online classes, they take classes abroad.

I’ve not know anyone who had a problem with this requirement.