Auburn
Worth optimizing for if your student is a high-stat Alabama resident chasing full tuition. Out-of-state, the automatic award never covers the OOS bill, so treat it as a discount, not a deal.
Auburn's automatic merit splits hard by residency. In-state, the ladder climbs $5,000 (University, 28-29 ACT) to $9,000 (Founders, 30-32) to $11,000 (Presidential, 33-36) and tops out at the Presidential Excellence Award covering full in-state tuition and fees (about $13,572/yr) for a 4.0 GPA and 35-36 ACT. The biggest in-state step is the 28-29 to 30-32 ACT jump: +$4,000/yr. Out-of-state, the entry bar is now a 29 ACT for the $7,000 Academic Charter; below that, non-residents get no automatic merit. The OOS top tier is $17,000/yr (35-36 ACT) against a $60,752 cost of attendance, so it is a discount, not a full ride. Hard deadline both tracks: apply Early Action by December 1. Stacking is capped at cost of attendance, so large outside awards layered on a top tier can displace dollar-for-dollar; Auburn does not publish the reduction order, so confirm before chasing big outside scholarships.
Ole Miss
The cleanest cliff math in the SEC. Best for 3.75+ GPA non-residents and Mississippi residents who hit 29+ ACT.
Ole Miss publishes the most detailed merit chart of any SEC school, and it's also the most cliff-edged. Two thresholds dominate the math. For non-residents: at 32 ACT / 3.75 GPA, the Academic Merit scholarship hits $20,160/yr, which exactly equals the non-resident fee. Crossing that line effectively converts Ole Miss into in-state pricing for an OOS family. For Mississippi residents: the 1848 Award doubles from $2,000 to $4,000 the moment a 3.5+ GPA student crosses 29 ACT, a more valuable single-test-point gain than most peer schools offer at the entry level. Above 33 ACT, the resident scholarship is capped at year-one tuition, so chasing a higher score buys $0. The under-published trap is the January 10 Entering Freshman Scholarship Application deadline; that's when the door to the Women's Council, Stamps, and Provost competitive awards closes, separately from any admissions deadline.