You didn't say what type of school you were going to but if it's a 4 year college, and if you are having financial difficulties now I would suggest you may need to think about some drastic action. More on that in a moment. The reason you need to take action is because if you don't have an idea where the money is coming from that you will need, you will likely be tempted to borrow it. If you are a freshman, then three years of borrowing money is usually not prudent. Student debt is insidious. Among other things student debt cannot be forgiven in a bankruptcy. You are stuck with it for life. It is also pretty easy to acquire. Lots of people will want to lend you money. Avoid any student debt you possibly can. Avoid any student debt you can.
Ok, here's some drastic actions. 1. Downsize your college. Transfer to a community college for at least the two first years. 2. From whatever institution, take as many classes online as you can..... provided you check before hand that they will be accepted at your original college. 3. Transfer to a college that offers the degree you are after, but that simply costs less to attend. 4. Transfer to a college that offers the degree you are after but that can be done fully online. 5. Look into certificate programs in your area of interest. These usually are 1-2 years and still lead to very decent career opportunities.
David, if you are financially concerned now, now is the time to take positive action to avoid borrowing one dime more than you absolutely must. Sounds like you are a prudent person. Good luck!