College coaches have always relied on their friends in the club and high school arenas. They take those recommendations and see kids at the summer tournaments (and there were some summer tournaments last year), but they really depend on their friends (former college roommates, prep school friends, uncles who played, etc) to get their tips on players. My daughter played for a new college team, new college coach, new to the area. That coach ended up with 6 girls from the same club team over 3 years because the two coaches became friends and college coach relied on the club coach for referrals.
I think you have to decide if she’s going to go for the Ivies, knowing that that admission will be 100% based on academics - no tip or slot or help from the coach. Also, whether she’ll get to play in college as a walk on will really depend on the team. Yale? Probably not as they are a top recruiting team. Dartmouth? Maybe, but probably not. Columbia? Maybe. Playing time is also a consideration for walk ons. Some people don’t mind not getting playing time but others really do want to play, no matter how good the team is and would rather be on a lower ranked team but get to play than to win but never see field time.
Is that the level of play she is realistically going to play in? If so, she should look at programs and schools that are at that level if she is relying on money. A good player at Arizona State isn’t going to get the same scholarship money at Maryland. Both good schools academically, both big flagships, different worlds for women’s lacrosse. That same player is going to get a lot of playing time at ASU, not so much at Maryland.
My daughter made the decision to play at D2, on a new team (assumed she’d lose a lot), but at a school academically good for her with a lot of financial help (merit and athletic). Turned out to be the right choice for her academically, athletically, and (for me) financially! She played almost every minute for 4 years, was a captain for 2, owes a little on a student loan, and had a job as an engineer coming out of college. Does she wish she’d been able to play at a big D1 and win the Tewaaraton? Sure, but that was never going to happen. She was recruited by some D3 schools and didn’t like them academically (only a few have engineering) or because of the small size.