This means that your ability to pay is not part of determining whether you receive an offer of admission. Another option is a loan on which only the interest is due during the college years, and after the college year the payment then includes interest and principal. This type of loan is available through some banks and other financial institutions including brokerages. So, unless you are one of those fortunate enough to find a scholarship, the basic look of financial aid for middle class America is the loan. There are some ways to reduce costs.
State schools are almost always less expensive than private schools.
Some state schools offer top rated programs. Some community colleges offer excellent preparation for transfer to a four year college as a junior. In some states the community college curriculum is coordinated with that of the state college to allow a seamless transfer. If you intend to transfer from a community to a four year college, determine what credits the four year college will accept. To ensure this, get this in writing from the four year college in advance.