The good news is that you are figuring this out now, and not in your daughter’s junior year. If you have a high achiever, as others have said, practice those PSATs and shoot for NMF. My daughter had friends who got full rides at A&M, Alabama, Iowa, U. of Pittsburgh, and U. of Cincinnati. My daughtter missed NMF by a hair but got full tuition at one of our regional universities and great merit elsewhere. That said, I’m in the save as much as you can camp, and have your daughter start saving too. When she’s old enough to have a job, she should be contributing to her college account.