The vaccination isn't that expensive, even without insurance. I got the vaccine while in college. It probably wasn't necessary, but my motto is "Better safe than dead". You will be especially at risk living in a communal environment, like a dorm, a frat, or some other kind of group housing. You are further at risk if you will have regular contact with international students, whether in the dorms or by working with/around them. (Note, I'm not putting down international students, I'm conveying a fact that was told to me by my doctor.) I was in school for chemical engineering and living in the dorms, so I took the shot.
Be mindful that the shot is only good for 3 years. However, when you move out of a communal environment, you greatly reduce your risk of getting sick (with anything), so if you plan to move off campus after a few years, then you don't need to worry about it. If not, get another shot as necessary.
Good luck, don't worry too much, and most of all ENJOY COLLEGE and your new-found freedom.
R