There are options to avoid ridiculous amounts of debt to get a college education:
1) Excel in high school, and earn scholarships. Apparently, your high school grades were not good enough to earn scholarships, so you've already missed that opportunity.
2) Attend a less expensive school. If you are just beginning, you should begin at community college. If necessary, MOVE and establish residency where the cost of living and the cost of a state-college education is less than in NJ.
3) Take out SUBSIDIZED student loans that do not require a co-signer, AND apply for grants. To find if you are eligible, you need to submit a FAFSA for financial evaluation. The agency determines whether you are eligible for federally-based financial aid, but THE SCHOOL decides what aid to offer to you.
4) Find a different job, preferably one that offers tuition reimbursement, where you can work FULL-time -- and go to school PART-time, in the evenings if necessary, paying as you go. It will take longer but you will graduate debt-free, or at least with much less debt. (Note: Do NOT fall for a "for-profit" school's recruitment schemes. Make sure the college you attend charges ONLY for the courses you actually take, and that they are REGIONALLY accredited -- no other type of accreditation is acceptable!)
5) Join the military. When your enlistment is over, the GI Bill will PAY FOR your education. Meanwhile, all your survival needs will be met: food, housing, uniforms, medical/dental/vision care, and you should be able to save most of your paycheck. PLUS you will attain the best physical condition of your life.
Think outside the box.