I remember when kids worked their way through school and graduated with no loans, it's almost a lost concept these days.
Even with scholarships and working full time it is nearly impossible to do. For example, the cheapest way to get a bachelors degree is attend RI's Community College for 2 years and get your Gen Eds done, if you graduate and want to go to get a bachelors degree, even with a perfect 4.0 at CCRI, the most you can get off at the University of Rhode Island is 30%, so hopefully you are working enough to support yourself (Rent, bills, food, gas to drive) and have an extra 12k sitting around somewhere.