Someone with your poor planning skills probably won't get many scholarships. But if you are a Amerifag you can get "Work Study" money if your parents don't have a lot of money, which means the gov't pays the wages for your on-campus job, giving you a leg-up on people who don't have work study.

You should apply for some student loans, though. You don't have to pay them back until you are not taking any classes, and they won't hurt your credit in the meantime.