A few ways:
- Many people do get sufficient financial aid - usually those that don't are the middle-class families, since they don't get enough FA and don't make enough to pay for 30-60K a year.
- Merit scholarships go a long way - many schools offer full tuition, half tuition, and so on. There's a good deal of full ride options for high stats students.
- Many go with federal loans, and a subset of those also do Parent Plus loans, which have the parent as a cosigner.
- If you don't want loans and can't get merit, in-state is probably the only option left.
- I probably forgot some more creative methods, so others please add in as needed.
For pre-med, you’re going to want to keep costs as low as possible. With your stats, checking out some full ride schools, biting your teeth and applying to Rutgers, and then sending out a fair number of apps to reach schools that have good FA will probably be your best bet. Something should work out, just make sure to have some true safeties (financially and academically) that you’re attending.