I'm going to a (pretty nice!) community college and it's STILL extremely expensive, and I'm only taking 15 credits this semester. Next year I'm transferring to a state school where I'll live with four other people, and it will STILL be really expensive. I'm hoping to be able to get an on campus job this semester so I can work without it interfering with my studies, but I don't know if I'll be able to get it. Point is, some of us are really trying out best, here, but it's still difficult to afford. I can only hope my degree will end up being worth it, but I think I'll need grad school to make it worth it. There's some more money being spent.
I do have to say for any college students reading this, though, that payment plans help a LOT. See if your school has one.