First of all: take a deep breath. It'll be okay.
Second: it is time to re-examine your options. Being a good student like yourself, and being in the financial situation you described, there are always more options than you're seeing. However, they might require you looking into different schools.
But, before we get into that, let's discuss some more loan options. Recently, the loan market has been pretty bad. There was some legislation passed through Congress about a year ago that made it harder for loan companies to stay open. Combined with the current economy, many shut down. But this doesn't mean that there are no options out there.
I take out all my loans by myself with a co-signer. The interest rate is terrible, but I manage to pay my way through a $50,000/year school. So the loans do exist, you just have to look hard for them and be willing to take a hit.
My experience of not having a co-signer on my loans, though, is pretty unique. If your mom can't co-sign the loans with her credit, ask other family members if they would be willing to help. Grandparents, aunts and uncles...go to everybody. You may not come up with anybody willing or able to co-sign, but if you can find someone your rates will be much lower.
I, personally, got my non-co-signed loans with practically no credit, by the way, so I know that there is someone out there who should be able to give you money. Look through the basic people first: Sallie Mae, privatestudentloans.com, etc.
The next thing to consider is to think about applying to different schools. There are lots of schools out there that are need-blind. That's how I manage to pay for college. These schools do their best to meet 100% of expressed-need as is determined by filling out the FAFSA and PROFILE. They also don't look at your expressed-need before determining whether or not to accept your admission.
These schools tend to be pretty selective, but for somebody with your standing you should be fine. Look at Harvard, Yale, Princeton, Dartmouth, Amherst, Middlebury, MIT, and Williams College. Even partially-need blind schools may work. You can find a list of them here: http://en.wikipedia.org/wiki/Need-blind#Need-sensitive_institutions
Choosing a college, paying for college, and wikipedia.