I agree that it is not too late to apply for scholarships. They may not arrive at the beginning of the year, but they can appear throughout the year. I would recommend that you apply for scholarships all throughout your college experience. Financial aid at the beginning is not a bad thing. Just keep applying for scholarship to minimize your overall debt in college.
There are many different funding sources for school. Firstly, you can apply for federal and state financial aid. You may be able to receive a grant which is money that you don't have to pay back. You may also be able to take out a government loan. You will have to pay it back but there are certain benefits such as income based repayment programs and lower interest rates than private loans. Secondly, you can take on a part time job or work-study job. Lastly, I would advise you to continue to apply for scholarships. It may not be too late as different scholarships have different application dates. Good luck!