For a rising junior, D1 Women’s soccer recruiting is heading into the home stretch. Unless she has been in that pipeline already, soccer recruiting, at least D1, is not going to be part of the college selection equation. D2 and D3 are on a later track, though of course, D3 does not include athletic scholarships. Then there are NAIA and NCCAA schools, which do give athletic scholarships, and tend to be smaller schools.
In-state tuition rates only come into play for public universities/colleges, so moving somewhere before senior year would only improve finances if the student wound up at a public institution in that state. Rather than narrow the focus now, by choosing a specific state, focus on identifying the automatic merit awards available from pinned threads here, and research schools which will bring the strongest merit award package, whether that means in-state tuition rates for an out of state student, or substantial merit bringing down cost of tuition significantly. Honors programs at publics can give pre-med and STEM students terrific access to research and mentorships with professors, and some come with summer research funding etc.