This is why students have to report all outside scholarships to their school, even if the student doesn’t receive financial aid from the college. Colleges still have to make sure the student didn’t get more scholarships than the college’s COA…at least AFAIK this is still the case, even for students who don’t have any financial need (you know, lots of changes in the US Dept of ED.) @kelsmom?
OP should look at the scholarship policy for each school on their list. Some may still require any scholarships be paid directly to the college even though the student isn’t receiving any financial aid from the college. (And OP could very well receive non-need based aid from some colleges, provided the college offers non-need based aid.)