Not necessarily. You can apply for grants (still would require FAFSA completion) and scholarships. My university's financial aide office posts lists of scholarships throughout the year with information on how to apply. If you can manage working that will help as well. Make sure to consider options before starting school. My university's in state tuition is about $3500 a semester plus books up to $1000 a semester. Also, be realistic about living. Will you stick to the an extremely strict budget or need some giveway?