You probably have to take federal student loan to pay for big percentage of college education if you are not looking at the option of community college, or get meaningful merit based scholarship. There may also be loan forgiveness option in the loan plan. With the high price tag of the education, it is not quite realistic to work part-time (as decades ago) and still to be able to pay for college. Make sure you select the college major that can get you a good job after graduation. If you go into history, art majors, there is low odd to pay off the loan after graduation.
The need based financial aid policy does screw up some students like you. I personally think the system is not fair.