***Do what I did, and WORK YOUR WAY THROUGH IT.***
I was a huge goof off in high school. Had to go to community college while working FULL TIME. Took me 2.5 years to knock out two semesters of work. Transferred it to a four year school where I worked and graduated after 3.5 years. Took out one student loan.
What is wrong with working your way through school?
Bingo.