In the painful truth is that if you need to take a loan to attend University you probably don't belong there. For most professional degrees it is a must, but for an undergrad, unless you borrowing a pittance, it is not a great idea.
If it is a community college where you can go to "prove yourself", get a job, pay for the classes, excel and make connections with the faculty, so that you can get glowing recommendation for institution sponsored scholarships.
This country needs to revitalize its trade schools and unions. Getting into an electrician's union at the moment would not be a bad move.