That is because the Ivy's and similar do not GIVE merit awards. I'm sure if they were all that brilliant that they would have had full ride, or close to full ride offers at other schools.
Full tuition, at most schools, means that covers tuition and fees. Part of this is because any awards above the "required" cost of attendance can be taxed. Now there are ways to get around that via various grants or attaching some kind of "work" to the scholarship but usually that is why schools will give full tuition scholarships out vs "full-rides"
I agree that when a lot of people say "full-ride", they really mean full-tuition. I have a friend like that, she keeps saying her DD got a full ride, then complains about how much they are paying each month to cover the rest LOL. She got a mostly full-tuition scholarship and had a second one that is covering most of her tuition. She still has to pay the $10,000ish for room and board, books, etc.
Getting one scholarship that is a full ride is not very common, however, many schools will give out several scholarships that added up, cover all or most of their costs. Also, most schools figure in transportation and "personal expenses" into their costs so it's possible that they would have everything covered. Our kids have all of their costs covered via various merit awards, including books and the excess transportation, etc. that becomes their spending money for the year. The main scholarship is full tuition, which covers tuition, fees and such. They also got a combo of other merit awards for various things that end up covering books, room and board.
OP, one thing with outside scholarships is that often schools will not stack those scholarships, so if you get $2000 from XYZ Company, the college takes $2000 away from the award they gave. I don't agree with the practice but it happens at most schools, not all, but most. Winter of senior year is really when she will be eligible to apply for most of the outside scholarships anyway so it's probably not really worth putting too much time in now.
I have to agree though, with a 3.2, unless she is a underrepresented minority,n or gets a 35 or 36 on her ACT, she won't have a great shot any any big dollars but you certainly do not need a 4.0 to get scholarships......and just an FYI for most, colleges usually remove any weighting so calculate your real chances on their GPA out of a 4.0 scale.