Just read through the thread quickly--apologies in advance if I've overlooked stuff.
1) Don't go to any college (except a JC) with the intention of transferring out. That's a really, really poor idea. If you're not "all in" at whatever (four-year) college you choose, you are not likely to get the grades or the running performances that would make you an attractive transfer candidate. [Full disclosure: I transferred to an Ivy, but only after having made a full commitment to my previous school and getting a GPA close to 4.0 there.]
2) The merit scholarships that you and others have mentioned are a great way to go, PROVIDED that there'd be a chance for you to walk on to the college's team (I'm assuming you want to run in college--correct?). At some schools the coaches have severe squad limitations and realistically can't take a walk-on--even if you could help the team greatly! You'd need to contact the coach(es) at your target school(s) and make sure you know the walk-on policy.
3) If you're dead set on D1, then ignore the following: Some D3 schools have tremendous merit scholarships. I'm familiar with the NYU program, and know that they've given substantial merit aid to truly outstanding students; I have to think that other schools in their UAA conference have similar awards. But key to this would be to kill your current semester academically--these awards don't factor in athletic ability at all.
4) The Ivies give only need-based aid, but they all calculate "need" very generously (for all students, not just athletes--I got a great package and was not a varsity college runner). A 9:24 might not put you on any of their radars, but if you kill this semester academically AND have a standout cross season, you might prompt some interest. In particular, I know that Cornell has made a late, recent switch in distance coaches--they've had considerable distance success in recent years and seem to have had high recruiting standards, but their brand-new coach might be glad to see genuine interest from a 9:24 guy--again, especially if you do a great job in cross country this fall.
Good luck!