I want to have peace of mind about being able to afford college.
That's easy! All you have to do is get good grades and good test scores . . . and then apply to schools that offer really
good merit aid. You won't be able to go to any
school in the country, but you'll still have quite a few to choose from. See these threads about IMPORTANT: Links to AUTOMATIC/GUARANTEED Merit Scholarships
and Automatic Full Tuition / Full Ride Scholarships
. Get qualifying grades and scores and the scholarships are automatic. And there are plenty of other schools that offer competitive merit scholarships - just focus on those schools where your grades and test scores put you at the very tippy top of the applicant pool.
There's no need to worry about affording college - just focus on those schools that are willing to pay to have you as a student.
As for the plan you were envisioning - borrow now, worry about it later . . . well, as your screen name suggests, it's your funeral!