I had to pay for some of my own school too, in fact everything I've taken since giving back my scholarship at U of L.
Student loans are a bitch but its what I had to do, and it took me like 3 years to pay off 2 semesters of school!
Definitely start applying for grants though & don't freak out. If you do happen to get student loans you can put them off until after you graduate. Not saying its a great idea but its a possibility if you don't have the income up front to start making payments!