Affiliate Marketing Secrets

I’m going into my Senior year of high school and I’m seriously considering going to a community college next year. I have to pay for my education on my own, and my SAT scores were a slightly above average 1790. I have a 4.5 GPA, I’m very active in my community, I have minority status as a tribal-affiliated Native American, and I’m just enjoying life as a seventeen year old girl. I don’t really know what I want to do with my life, and a community college seems like a smart financial decision and an easy stepping stone to transfer into a 4-year.
But all of my friends are dead set on getting into 4-year Universities and State Colleges. I’m in the top 5 of my graduating class and part of me feels like I should be joining them. But I think I’ll save a lot more money in the long run if I play my cards right in the community college system. And it won’t be as stressful and ego-shattering if I get rejected from Harvard or UCLA or Colorado State University. Not to mention the money going down the drain with application processing fees.
Maybe I’m just afraid of rejection. Should I bother applying to a University right out of high school when I can get the same degree for a fraction of the cost after transferring from a community college? What are the benefits of going to a 4-year straight out of high school? A 2-year?
I know I can apply for grants and scholarships for 4-years, but is it worth my time if I can go to a community college and transfer somewhere else later? I guess that’s my main concern.