Yes, you're doing everything right. It's important to keep in mind that every student has a different situation compared to you. When you say Junior college, does that mean a tech school or community college? Because both of those options generally have MUCH cheaper tuition and book costs when compared to a public, 4-year university and definitely a private university.
I'm glad you were able to qualify for a large amount of money as a grant in FAFSA. I go to a public university and I only qualify for $2,200 for full-time credit hours. Granted, I'm a independent student, while it sounds like you're a dependent student. 12 general credits from my public university generally costs $4,300 per semester.. With me only receiving half of the grant money, it makes sense as to why I would need to take out student loans. Thankfully, my family has been able to pay tuition costs for me, which will allow me to graduate with a Bachelor of Science and have only a small amount of debt to pay back.
I'm sure I could apply for more scholarships and get more help in regards to school. But, I'm very blessed with the situation that I have. It sounds like you are as well. I say just be thankful and continue to study hard. Best of luck to you.