CLEP won’t help you for top colleges. Colleges want to see you take the most advanced classes possible. In your case, GGC classes would only be helpful if you can push past the 1st level, ie, you take Composition 1 AND 2 from the college, since it’d go past the AP. However, AP English Language is a very useful class, designed differently than freshman composition. If you already have a Level4 foreign language (or took the AP test in it), taking Chinese in college would be a great addition but be aware the pace is going to be brutal - you"ll cover 2 years of HS Chinese in 4 months! You can always “try” and drop it, ask your guidance counselor how easy it is and whether if Chinese is too fast paced whether you could take another language or another class without a mark on your HS transcript.
If you’d qualify (financially) for Gates Millenium, then you ought to consider universities that meet 100% need, especially LACs (as intparent said, any LAC ranked in the top 50 is going to be very strong academically, with personal attention, interactive classes, research opportunities, strong alumni, and, for those on the list below, excellent financial aid.) Also, check out Questbridge.
http://www.questbridge.org/
If you live near Atlanta, go visit Spelman or Agnes Scott (if you’re a girl), plus Emory’ Oxford College (co-ed), Emory University, and Georgia State. That’ll give you an idea of the differences between various types of colleges.
Financial aid is for people who need money for college because their parents don’t make enough. Only about 80 colleges meet 100% need (or up to 95 - Dickinson, where Intparent’s kid went, is one of those, as is Clark in Massachusetts, for instance). Many of these colleges do so without loans. In fact, many offer you the equivalent of a full ride, ie., they cover with their financial aid what you need for housing, food, books, transportation to the college. “Meet 100% need” means that if your parents have been calculated to be able to pay $1,200, the college won’t ask them to pay $10,000, but $1,200, and they’ll offer scholarships (and loans) to make up the difference. As you can guess from the fact there are thousands of colleges, very few universities meet 100% need.
Merit aid is given regardless of whether your parents make a lot of money or not, it’s based on your results. If you get high SAT or ACT scores ( a key criterion), you can get a lot of money even from universities that do not meet 100% need. However, these universities only offer merit aid to the top 10% of their applicants so you need to position yourself to be in that group.
Finally, there’s the PSAT - since you’re within range for NHR, prepare carefully over the summer, since it’ll mean full rides at many colleges and it’ll expand your choices.
If you’re lower income and/or first gen (ie., neither parent graduated from a 4-year college) you can apply to colleges that offer all types of aid - you’ll need to “apply widely”, ie., use your fee waivers to apply to a wide variety of schools, so that you are sure to have a choice of affordable colleges.
A “good” list will include 2 colleges that you like, have run the NPCs for and know you can afford, and that you’re sure you can get into; 3-5 “matches”, schools where your stats place you above the average but below/near the 75% threshold*, that you can afford and like; and as many reaches as you wish or can afford.
The website below is dedicated to helping first gen students and lists colles that meet 100% need:
http://blog.■■■■■■■■■■■■■■■■■■■■■/blog/colleges-that-meet-100-of-student-financial-need/