I can't imagine the list of schools that will cover tuition plus rm & board, and only require a Stafford loan with small student contribution is very long.
The list isn't "very long", but it does exist with several schools names. With the OPs scores, there are a number of schools that would have given her an assured Full Tuition scholarship (maybe more). If she had gone with that option, she would only have R&B and books to cover. She says that her family will contribute a few thousand, so with that, a 5500 loan and some summer work money, she could have her school costs covered. That could have been assured financial safeties for her.....no guesswork, no wondering what she's going to get.
I have known a student who received merit aid from University of Chicago after transferring from Seattle Central CC & one who received merit from Oberlin after her two years at a CC.
Those situations are rare, not assured, and unless the merit is super-huge (must need an amazing hook for that), then the merit would just go towards need, and student would still be needing to cover EFC.