Kennedy, the secret about college (and I didn't learn this until much too late) is that the sticker price means almost nothing.
I knew that my family didn't have anywhere near the money to pay for a private college, and I assumed I'd be UMass-bound. Only at the beginning of junior year during a chat with my guidance counselor did I learn of the bitch-goddess known as financial aid. I stepped up my studying a bit at that point and ended up going to a private college. My parents paid very little, I got lots of grant money from the school and, yes, I now owe $50K to the US Education Dept's Direct Loans program.
That's a chain around my neck, but you spread the payments out and pay about $200 per month. It's bearable -- and it forces you to get a job and consider your finances in a more adult fashion than many of my funemployed moneyed friends with no loans are currently able to do. I have no doubt that with a degree from a decent school I have the opportunity to earn $50K more over X-many years than I would have had I attended UMass.
I'm not sure what grade you're in, or what stage in the college apps process you're at. But unless your family has a high income they don't want to share with you, don't be too freaked out by the sticker price. I was, and one of my biggest regrets from high school is that no one explained this to me before junior year.