Colleges do spot check a number of finaid apps and can stop to ask questions. If your family has sincerely tightened your belts, which can be done, then show the school whatever supporting documentation you have and go from there. And, if they ave used credit cards due to a financial loss, isn’t there a line for that on the CSS?
But I do agree to explore the health insurance for you and your sibling. You father may not be earning a significant amount in a month or two. And, you may have to deal with enrollment periods.