I've got a few comments.
I am terribly afraid to answer on an application that I am "disabled," fearing that it will hinder my chances for gainful employment to zero percent
This is understandable - but the worst you can do is to try to "hide" it,
because the companies will most likely notice that you are "diasbled" sooner
or later. When you mention that you are disabled remember to stress, that
you are smart, able to "perform well" at work and do the duties that are
required. Depending on your disability you could suggest less than a 40h
work week (e.g. during a trial period).
Working for free:
This is tricky. As I see it, your doing the company a favour by working
for them right
Furthermore, if the jobs worth doing it is also worth
paying for. Remember, however, that this is my personal oppinion - if it
is custom to offer to work for free (to get a "foot inside the door" so to
say) in your region of the world (Im assuming the US) then continue to do
so. Alternativly, stress (in the application) that the pay is not your
motivation for working - learning, getting expirience in the companys domain
and so on is.
Even though it might take some time I think you should
work on ending your
program at college.
Try to get a friend or family to look at your resume and application. It is
important to get some feedback.
I wish you the best of luck.
p.s. See Marks advice on Fortune 500 companies