You can only borrow $5,500 yourself (federal loan limit for frosh), and slightly higher amounts each of the next 3 years. Colleges don’t care if parents didn’t save or don’t want to part with current income.
Most students in that situations up doing one or a combo of these:
- Living at home and attending a community college or a 4 year college that is close enough to commute to.
- Taking semesters off sometimes to work and earn money to pay for the next semester.
- If the student has good stats, looking for schools where they can get good merit based scholarship money.
- Taking out some private loans with parents co-signing. This is not recommended - private loans have a lot fewer protections for the borrower, and you (or your parents) can end up hamstrung financially by them.