You'd be better walking on to one of the Top 5-10 JUCOs instead of a D2 or D3.
You wouldn't get money at most of them, but you'd have the chance to get a lot faster and then be recruited all over again as a junior.
Take a chance on yourself and don't sell yourself short now; plan to improve and work for a bigger payday.
Go down the list of NJCAA XC nationals and either find a school near you or try the first several schools. My team will have about 30 guys next fall from those who ran 15s in high school to those in the 19s. We let everyone run.