My daughter came home in eighth grade telling me that the guidance counselor at school had said she ought to be tested for ADHD. No way! She might have been obsessive-compulsive, but she had no attention problems. That was the year her math teacher also convinced her that she had a math phobia. Funny, she didn't have any problem until that year. Then I found out that the teacher was teaching integrated math part of the time (which is the way most of the world teaches their kids) and the new math (which is what Americans are taught) at the same time. My husband was studying for his master's in math with the goal of being a high school teacher. He sat down with her and said she had no problem understanding the math or the concepts. I think she's finally given up the ADHD and math phobia imprints now.
I say go for the loans and grants. I paid my way through college by living at home, working almost full time, and going to a public state university. Then several years ago, I decided to try for a second master's degree and a Ph.D. I didn't get either, but I did accummulate $30K in student loan debt that I am scheduled to finished paying off when I'm 70. The "good" news is that if I died before repaying the full obligation, my estate is not liable for it.
Where else are you going to be able borrow money for tuition and expensest 3% interest and pay it back over 20 years with all the forbearance and economic hardship provisions when you finish? Without them, my brothers and my mother would never have gotten their degrees. One brother graduated from Stanford Law School with tens of thousands of dollars of student loans even though he got a perfect score on the LSAT and had the benefit of all their "free" money.