That is why I was cautious with "most".
As a current student at University...
If you happen to live in any of the more expensive regions of the nation then you can expect costs to be high. If you live in New York, Los Angeles, or even the #11 Dallas area ranked in that #1-#11 article, your schools are just going to be more expensive. If that is the case, move.
Google says if you started from the #1 most expensive New York City and moved a few miles to the capital city you could save half your money. Or #2 expensive Los Angeles and moved in-state to Sacramento, you'd save almost 35% on tuition at various schools. If you were in Dallas moving over to Austin, you'd save about 20%.
Do you live somewhere expensive? If so, have you considered distant schools?
Out of curiosity, what are your grades? My nephew in school is maintaining an A- average and maintains his half-tuition scholarship. When he entered school he talked about applying for around fifty different scholarships, and was able to choose among several.
I applied for a couple of different Scholarships, sadly didn't receive anything.
When I went to my University in the 90's it was similar; I found it was easy to maintain a half-tuition scholarship by studying hard.
The total grant that I was awarded per semester would not pay half of my tuition (judging by me taking a full load every semester).
Or said from a more optimistic perspective...
You have access to 'free' grant money that covers almost half of your tuition, and your family is considered wealthy enough that they could pay the rest.
Your financial need was considered low enough that you didn't qualify for scholarships (I'm assuming your grades were not the problem), so you were expected to pay the bill.
If you qualify for grants then you are also likely eligible for federal student loans; the Stafford loan program is currently 3.6% fixed rate, with no payments until after you finish school. That is great considering other unsecured loan rates.
Either way, it is something that you CAN have access to. It is an option. It may not be fully funded, but it is an option and you are taking it.