Our kids High School College counselors preached that a University isn't going to admit a student and then not work to make it within their financial reach. That certainly was what happened with our kids and their friends. It might be grants, it might be scholarships, it might be work-study, it might be loans, but the University WILL find a way to make it financially possible. Otherwise, they have wasted their time admitted your child.
And student loan debit is a hot topic, but some of the says people use the money isn't smart. I know kids who have debit that is greater than their tuition, books, room and board cost. And my daughter's best friend finished her Masters last semester, but her grant requires her to work and be a full time student for the entire academic year, so she is still there, taking garbage classes, to satisfy that requirement when she could be out in the working world paying off her debt.