If the financial aspect is the only reason that you would not be able to attend a school, don't let that stop you from at least applying. You would be surprised the amount of scholarship money colleges give out, and once you visit they will be able to tell you more about how others make it work when they can't really afford it. Basically everywhere I visited told me that if you wanted to go there, there was a way to make it happen. Fortunately for my parents, I fell in love with the cheapest school I applied to lol. Also, don't compare your academics to your friends. I go to Louisville, a university that is much easier to get into than the majority of the schools my friends went to (Harvard, Uchicago, Georgetown, Villanova Business School etc.) but I am one of the only ones that is absolutely in love with my school. While they are looking at places to transfer to, I am getting my schoolwork done while having time to go out at night.