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NC. Move earlier if it is that important to her. She doesn’t have any scores yet so it is hard to figure out if she could get any merit.
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UNC-CH doesn’t give much/any merit, so please don’t count on that to get costs down to $12k per year.
There have been several posts from parents of high stats students who’ve been very disappointed when they’ve gotten NO merit from UNC.
UNC does give need based aid (with full loans), but it sounds like the combo of your EFC and loans would mean a net cost of MUCH higher than $12k per year.
Do you know what your EFC would be?