Don't be afraid to get loans - college is an excellent investment, and the loans for school are about the best kind you will find. Scholarships are excellent - but most people (even those in substancial financial need) won't receive enough to cover all of it.
Look around for scholarships in unlikely places - your parents workplace (many, many companies have scholarships ONLY for children of employees -- sometimes they are automatic, sometimes they require some sort selection process, but ALL of them require you to seek them out).
Contrary to what I thought going in to college - scholarship searching and applying continues through your entire stay at school. You are much more likely to get scholarships later in your school career than before entering. My girlfriend began college with one or two small scholarships, and mostly loans covering her tuition and housing. Now (beginning her senior year) she has literally 80% of her tuition covered by scholarships from various sources (both her parents work, a couple academically based scholarships and a couple state-funded programs that are extremely generous). There are literally a million ways to get scholarships for any student out there (despite age, race, major, etc).
On a side note: I was fortunate enough to have parents who were able to fund my schooling in full. Money was not a concern when I was choosing where to attend, and neither has it been a concern 3 years later when I'm considering staying two more years to receive a masters degree. I fully plan on providing the same opportunities to my own children someday.
-dd3mon