You are not “screwed over.” Your HS grades, curriculum etc. are reviewed in the context of the school you attend. If indeed you are at an elite HS, then it could well be that a number of students (not just the top few) get into “elite” (not quite sure how you define that) colleges. Wait until you get your SATs (study hard for them) and then you can talk to your guidance counselor to get a sense of where students with your stats have ended up in the past. In addition, if you do well on your standardized tests, there may be schools where you could qualify for merit aid to make them affordable.