Planning ahead for some items that the loan may not cover, takes an effort on your part. Jobs during the summer before your junior and senior years of high school can help you to save for some of the necessities that you will need and may even be enough to indulge in some luxuries.
Since you have not established any credit, you would be unable to apply for a personal student loan for school. You will need to have a cosigner or two, for loan approval. The bank does not just give out loans, and at the same time, you should shop for the best interest rates on private loans. Advise your parents of the Parents PLUS Loan website where they can get some information there.