Step 1: fill out the FAFSA and hope for the best.
Talk to your school's office of financial aid for advice. If in a graduate or professional program the specific program likely has their own grant program after a year for students that excel. Private groups also have grants for people involved in certain activities, faiths, and ethnic groups.
Generally, for AFA or BFA the Fasa money is given directly to the school against your qualified expenses. So, if you live in dorm yes, if not, no. Some scholarships will cover additional costs, and you can get bank student loans you can spend on such costs.
But things change for MFA, which has much higher loans and that money CAN be used for apartments and like. see https://www.discover.com/student-loans/college-planning/what-can-you-use-st udent-loan-for.html
Also, look into scholarships. Any funding you don't have to pay back is stress off your shoulders down the line.