Another vote in favor of taking the AP exam - with the caveat that you do WELL on said exams.
Make a study of which AP exams validate at SAs and at your civilian colleges - keep in mind SAs might require a 5, or if not validate, they will place you in a higher level class (ie, bypassing the lower level class, essentially either allowing you to double major or take a ligher load). Super in favor of taking (and again, doing WELL) on the exams. My civilian DD's transcript shows 40 credits via AP validation.
Speak one-on-one with your GC. See if there are waivers. You never know until you ask. Both my DD's got blanket free AP exams, and free PSAT/SAT/ACT exam, waiver on score sends, and AP subject test waivers, and if you were in-the-know, you'd wait for a special code for local private school free application 2 x $90). This also gives you a chance to let your GC know you are applying for SAs.
Overcome adversity - can you do a job like lawnmowing specifically for the exam fees? That would make a good talking point.
You are a junior correct? If you are taking 4 AP classes now, then i'll assume you might take 4 or more your senior year. There could be significant other value - remember if at a civilian college, this could be at least 1 semester's worth of courses and full tuition/room/board at a state college would be around $15,000/semester that you are saving, not even counting the extrapolated pretax amount required.
And one more thing - short of a good national award on your Common App's 5 awards? Put down which AP exam award you get! The highest now is AP with distinction (National AP Scholar, RIP!). But still, a national award!