have you applied for grants and scholorships? Also, don't discount having a part time job while attending school. I know I didn't when I first started but found I had TOO much free time on my hands. Are you living at school or at home? In the dorms or have an apartment?
Just remember that loans are an investment in your future. We take out loans for cars that last for a couple of years (or however long we have them) but a student loan (a completed degree) is an investment in the rest of your life!