I'm sorry that it's not going well. You're great for trying to do this for yourself. I don't know well how it works in USA, but maybe there are other ways to get financial aids, for example with a little job at college. I agree that talking to a counselor at college would be the best thing. Personally, I think that if the situation makes you feel overwhelmed it would be better to take less courses, though you can't have the financial aid. But I don't know exactly your financial situation.
I think that it would be a pity to stop. Doing something like this for yourself could really help you to feel better, once you have found your own pace and method.