Address your questions to your college's financial aid office. The people there are the experts on all this.
Loans are probably going to be the only way for you to go. You might think about doing two years at a community college, which would be much less expensive, and then transferring to a 4-year school. That's one way to save a lot of money. You really should have looked into all this BEFORE you applied to college.
I might also point out, just in case you do decide to go the CC route, that when you are applying to transfer, don't hesitate to apply to private colleges. They have much more aid money available than the public colleges do, so it can actually end up being less costly to attend one than to attend a public institution. I attended an Ivy League university on extremely generous aid. The loans I needed were really small.
Note that if you take out loans, whether your parents apply or you do with another co-signer, repayment will be YOUR responsibility. You will be the person benefiting from the education, not your parents.