I have to agree that I don't understand grants. Growing up, and still for that matter, my family was far from "wealthy." We didn't do without, but there is no way I could have gone to college without scholarships. I checked on a grant and my understanding of the results was that I should recieve the generous amount of $XXXX but my parents' made a little too much money; so, I would get $0.00 instead.
Thankfully, I didn't have to deal with loans or out-of-state tuition (3x in-state) and graduated owing nothing. I have to pay mysterious activities fees as a grad student, but thankfully my project covers my out-of-state tuition and stipend.
Books are ridiculous. I always reccommend waiting till after the first day of class to make sure the prof will actually require them. Sometimes, you can check them out of the library or find them cheaper online. They are still insanely expensive to buy, and you get virtually nothing for selling them back.
What I don't fully understand is how the racket of standardized tests (ACT, SAT, GRE, etc) are allowed to continue. You have no choice but to take them to get into various levels of college. They are expensive, and, if you need additional copies of your score or your score sent to another University, you have to pay again.