Hard to know about the SAT…you didn’t post it, lol.
I would wait until this craziness winds down and then schedule visits to schools you’re interested in. If you have prepaid, that will cover most of your tuition. Bright Futures is like found money – it’s yours, whether or not you spend it on education.
Be sure you have all of your application deadlines firmly in mind, and start as early as possible on your applications. When acceptances come, shortly afterward financial aid offers will start coming in. Our college counselor suggests waiting until all the offers are in, but if you have your heart set on one school, I would focus on that one.
UCF specific, you can email both Admissions and Counseling with questions. Everybody is working from home right now, but they’re very good about responding.