Loan debt isn't that big of a deal if you're coming out on the other side making 100k per year (before taxes of course). Most plans opt for repayment over the course of 10 years and for federal aid the interest on the unsubsidized loans is a 6.8% fixed rate.
Just fill out the FAFSA and as an independent going into professional school, you're EFC (expected family contribution) is automatically zero even if you have money in the bank...unless you have significant income. You don't have to be employed. If you're trying to attain in-state residency, your loans will count as income from that state. Of course residency varies widely between states. Here in Ohio, gaining in-state residency is a piece of cake. I also know it's pretty easy in Washington state as well. Many other states are not very flexible (e.g. Maryland even considers residents who went to undergrad out-of-state to be questionable for residency purposes even if the student is a dependent whose parents live in MD).
I'm on 40k+ loans per year and am doing fine. I've got full sub and unsub from the gov. The max for subsidized is 8500 and the max for unsub is 12,500, but there is also an extra 20,000 per year you can get under unsub if you have a very low EFC like zero. If you still need more loans then you can apply for a GradPLUS loan also through the gov. This involves your parents though and I'm not sure if that would jeopardize things if you were trying to gain residency somewhere. This would be enough for a total of the 46k you need per year. Scholarships are rare in pharm school. I've got a $1600 per year one from ohio state that helps.
Good luck - consider going in-state or to a school where you can gain in-state residency and your tuition will be cut by roughly $15,000 per year. Also consider going to a school where the cost of living is cheaper. Living in Columbus is really cheap. Rent is around $250-$450 per month on average and is of course on the low end if you have roommates.
