Financial aid is a drag, but because you have expenses that messes with your credit. This is how they get eighteen year olds to pay tuition for life because they won't be able to see the scam they are pulling. Make sure they didn't use your grants. When you apply for financial aid there are two grants that most (almost everyone) is approved. One being the Pell Grant, not sure the name of the other. It is a mess, and very frustrating, and unfortunately, I don't have the answers, but I hope you do get some answers. I don't have credit which is worse than having it bad. I'm not sure how my financial aid didn't show up on my credit report, but I you do suggest to get to rhe bottom of it. Good luck.