Kmoney,
First off, props to you for thinking about the financial stuff soo soon. The amount of money I wasted in college and shortly after would make a dramatic difference on where I am at now at 32.
As far as schools go, I think it is really smart to consider state programs. In general, your effort will make as much, if not more, impact than anything else. If you have aspirations of changing geography at any point, I think kicking butt in class and/or getting yourself some summer internships in places you might want to explore would broaden your opportunities immediately after graduating without having to take on a ton of debt going to an out of state school for different exposure, that otherwise offers a comparable education.
Even if your test scores don't go up as much as you hope, it might be worth looking into what top tier schools that offer need-based grants. At least a few Ivy League schools will give you the money if the need is there. Even if you don't think your scores are in that range, these schools REALLY value (and like to show-off) diversity of all sorts in their student population (including geographical diversity). It could be something to think about, if that wasn't on your radar. Also, check out McGill in Montreal, it is a top University in the world and even out-of-country tuition is cheap compared to US schools (if you are Canadian, it is amazing by US standards), although I don't know what their grant situation is, you can find out with a phone call; oh and the exchange rate is awesome right now. I mention this b/c my cousin had average grades and scores from a HS in Southern California but most likely b/c McGill had an interest in geographic diversity he got accepted.
Also, if you get on the horn with admissions people and form a relationship with them, that can open doors in a big way. Don't be afraid to aim high and be a pain in the ass. My brother's guidance counselors were steering him towards a local school b/c he would definitely get in but he wanted something different. With some grit and banging on doors he went to Cornell. If you can get into a school like that, without the financial baggage, that could be a great opportunity too.
With all that said, a solid, low cost state school is a great option. Also the community college-transfer option is smart too. Where-ever you go maximize the free money you can find there. Like TomBri and Lakemom's posts speaks to, REALLY REALLY, look for grants/scholarships inside and outside your school. A lot of times there are government & community organizations, municipalities and groups that offer small and medium sized grants/scholarships that many are unaware of. That can really add up. Research and make calls yourself but also before and after acceptance ask the financial aid counselor where ever you want go and they will help (you apply for some scholarships after arrival/commitment).
Good luck.