I totally understand feeling like you have no options. You really may have more than you think, you just have to be creative. Finding a college you can afford and you can get into would be my first priority. Then I would look at housing.
Why is it that you want to live in the dorms? Because its close to campus/ on campus? Do you think it would be cheaper than living on your own? These are all things to consider. I live in a midwest so i don't know what things are like where you live but my experience has been it is cheaper to make my own food and live in a single bedroom apartment alone than it would be to live in the dorms and pay for a meal plan.
As far as loans go, I don't think they are that big of a deal. If you go to a college you can afford your loan payments will not be very expensive once you get out of school. Most students take out loans of some form or another. If your parents can't help with school thats okay, you FAFSA will most likely reflect this and you may get scholarships based on this. Also you may qualify for work study aid where you could work for the university in like the library or computer lab or something and you get paid to help with tuition.
Hope this helps.