I went to a good junior college in suburban Chicago that was actually really good (at least as far as junior colleges go) because I was in the same boat you are. I really DID save a ton of money by going there for a couple of years and getting credit for the exact same courses that would have cost 5-10X at University of Illinois or Loyola, etc. The nice thing was that since everything transfered, I could take my time and figure out exactly what I wanted to do, which turned out to be dentistry. I then picked a school that has a good (and affordable) dental school and went there (Southern IL U) to finish my undergraduate work. NOW - after getting there, I can see a few things that would have been nice to know in the past.
1) SIUE is slightly (about $500-750/semester) more expensive than the Juco I went to.
2) The experience is totally different. The coursework isn't necessarily different, but now you're in classes with SERIOUS (vast majority) students and in large, professional looking (hopefully) lecture halls/labs/facilities with people teaching that generally have more (and usually "better") credentials.
3) You have WAY more opportunities to make your application(s) stand out. At SIUE, I've volunteered in labs conducting NEW and innovative research with EXPERTS in their respective fields, recieved funding (state and university) for MY OWN projects and therefore conduct my own research (in genetics to be exact).
There's tons of other reasons that other people could bring up but at least for me, here's the bottom line: You CAN find great schools that ARE affordable. If you (and your family, presumably) just plain can't afford tuition, you're probably eligible for plenty of grants/awards/scholarships and certainly student loans. Also, keep in mind that many (if not all) schools give their grad students a FREE RIDE if they sign up as TAs. Hope this helps, if you have any more questions, please, feel free to PM me.👍🙂