Hi, kjsmith.
I'm in the same exact boat (although mine may be a bit more extreme). I was accepted to Pratt with no funding. I'm waiting to hear back from City College which would be my more "affordable" option, but I'm really set on Pratt. I, too, was fortunate enough to have parents who paid for my undergrad (out-of-state at Clemson, coincidentally), so these will be the first student loans I'll be taking on.
I know at Pratt you can apply for funding and assistantships after the first year based on your grades and portfolio. I'm sure this is the case at almost any school, but obviously the selectivity process will vary. One thing that I do remember from Clemson is that all of the first and second year undergrad studios had Graduate Assistants (approx. 8 studios total.) Possibly something for you to look into. Also, the library and print facilities were all manned by students (great jobs that allow you to get some of that last minute studying in for your arch. theory exam ).
I can assure you that I'll be checking every nook and cranny for every penny I can find. I refuse to settle on a school only because it's more "affordable." If I can make it work at Pratt, that is where I'll be.
Any suggestions???