Hey Colleen VZ,
I think you have a great chance to get the scholarship, too. With that being said, I think you should start your program, and wait to see. While you're in there, talk to your financial aid office - sometimes they will work with student situations in terms of payment. This may include the amount that you'd be refunded if you don't get the scholarship (I'm sending good vibes your way, though. I hope you get it). Just because the 100% refund date is earlier than the date you'd be probably be finding out your application status, doesn't mean that you won't get SOME kind of refund after that date. I believe you can still get 75% back, which is still a lot. Who knows, once you start, the FA can probably give you other resources to keep you in. I know the process sucks, but I don't think you should give up. From what I've read over the year is that September is about average as to when people get their acceptance. The application packet lets you know that they will refund anything you have been forced to pay. Again, work with you FA office.