In terms of costs, you should really consider talking to the school and asking what kind of financial aid they offer, scholarships, etc... you may find that you may be able to finance yourself in the schools.

As for the classes?  You should call the schools up and find out whether or not you can get in if you take the class while in the school itself.  Or otherwise, ask if you could take it over the summer instead (at like a community college or something).

Stressful as it is, talk to people... you may find that some of these colleges are still options and the like.  And at the end of the day, you can always just apply to all of them, and decide after you've gotten you financial packages and acceptances which would be best for you.

www.fastweb.com
www.collegeboard.com

For the schools that you haven't taken classes for, try talking to an advisor at the school and see if there is a way to work around it. Sometimes schools will allow you to enter the school but not the desired program until you complete the required classes.  Don't give up, try and find a way around the obstacles you face.  If one person tells you no, try and find someone who will say yes.

Good luck

-------
Excuse me, yeah I'm talking to you.
Look in the mirror, could you tell me what you see?
Hard hearts are crashing in a crowded room.
You never felt so good, you never felt so free.