What a great question! When I studied in New Zealand for a semester, I was able to find an "exchange program" that was just the cost of tuition at my home college. I essentially switched places with a student from the University of Christchurch, and paid the tuition to my state school which was much cheaper. I reached out to our study abroad department and applied for a scholarship to help cover the extra costs (airfare, housing, activities). I also applied for a small personal loan which I was able to pay off first when I graduated. You should leverage your community to see if they offer any local scholarships that are less competitive.