The PA schools like West Chester, IUP, Bloomsburg are almost all D2, and do give athletic aid as well as merit aid. You might also look at the Sunshine State Conference in Florida as it is D2 and many of the schools give merit as well as athletic aid, and by stacking the awards you might get under $20k.
What sports, and what does she want to study. A D2 tech school might be a good fit.