Financially, is it too late to apply to schools?

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Some schools also accept the SAT score reported on the transcript

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https://collegereadiness.collegeboard.org/sat/register/fees/fee-waivers

If you are eligible for a fee waiver, however, you get four additional score reports to use at any time during high school. No matter how many times you register with a fee waiver (or even if you didn’t use a fee waiver to register) you are entitled to the four reports.

To use the flexible score reports, sign in to your free College Board account. The number of score reports still available to you will appear automatically if you have registered using a fee waiver. If you have not previously registered with a fee waiver, indicate that you are eligible and enter the 12-digit code from the bottom of your fee-waiver card. You can also order score reports by phone or paper; before ordering, you can find out how many credits you have left through your My Organizer account or by calling Customer Service.

You also get four free college application fee waivers if you used a SAT fee waiver. And you can apply to common app schools for free.