True: if contacting UMass about honors doesn’t yield a positive outcome, she can definitely apply after a good Fall semester Freshman year.
In addition, if your second daughter is admitted to a university that meets need, THEY will take into account the fact there are two children in college.
http://www.thecollegesolution.com/wp-content/uploads/2014/09/Schools-Meeting-100%25-of-Demonstrated-Need.pdf