When am I supposed to get my scholarship?

That scholarship requires both the National Merit, Achievement, or Hispanic designation as well as the grades and SAT’s, not just one or the other. Maybe I’m missing info?

^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.)

That nurse practitioner/physician assistant idea is a really good one!