When you excitedly clicked on that e-mail or ripped open that thick envelope, you probably focused all your attention on the first word: "Congratulations!" With luck, though, there was more to come, in the form of a merit scholarship. These awards are often a kind of tuition discount, given to entice relatively wealthy families. For instance, if the full cost of attendance is $55,000, and the student receives a very generous $12,000 "Dean's Scholarship," the college still