^I do think that if OP’s father, one year, makes 80K, it’d be worth it to pay one year 14K and have a free ride at Bryn mawr the others, vs. the free ride at NCCU.
I understand OP prefers NCCU but she should have possibilities beside that one choice. If it’s her favorite after she gets 3-4 acceptances and scholarships/grants, then all the better. But it shouldn’t be her only choice.
I understand the cross registration with Duke and likely the IHSDW are big draws.
(NCCU allows 1 course at Duke, Bryn Mawr allows classes at Haverford PLUS one class at Penn. Goucher offers cross-registration with JHU. Mount Holyoke offers cross registration with UMass Amherst and Amherst college. Just to point out it’s a great feature but it can be found at other colleges).
And I’m afraid that there’s a huge academic difference between most students scoring in the high 300’s to mid 400s, and a student who scored abnormally low by hitting a 660.
There are ways to do it but OP would need to inquire ahead of time: for instance, I suppose that the IB curriculum would allow OP to skip parts of the core curriculum, to place out of English and Math, science, social science requirements; thus OP would start in upper-level classes as a freshman and participate in an NSE semester or year at one of the few universities that will accept her under Plan B (no extra tuition fees) such as UMass Amherst, Cal Poly SLO, TCNJ, UMinnesota Twin Cities, SUNY Binghamton – but note that Spelman has similar exchanges with Barnard, Stanford, or UCB… And being in the Honors College her senior year will be dedicated to research and a thesis.
OP might “win” one of the free rides at Spelman - there are only 5 but she’s quite qualified, for instance. It’d open more doors for a funded PHD in psychology or a Clinical degree (look for a poster named Juillet, who graduated from Spelman with a Psychology degree and did her graduate school at Columbia.)