Take school affordability into account when applying for colleges; many state schools cost less than out-of-state schools. You might also consider starting at a community college for a couple of years to lower your overall cost of attendance.  Additionally, you may consider taking on a side job if you're able. Federal aid packages may also include grants and work study, which is money you don't need to repay. Prioritize federal loans before looking at private student loans, as federal loans often have lower interest rates and more protections, plus direct subsidized and unsubsidized loans don't require a cosigner.