Do AP, IB or CLEP credits mess with financial aid?

I remember reading that asking for AP credits, etc. might interfere with financial aid packages. Is this a factor?

Yes, because it can take you to 125% of your degree requirements before you’re even finished. Especially when each AP test can give 6+ semester units so you can come into college with over 90 units…

Sure if a student were to come in with 90 units, but most of us will have two or three AP tests, equal to two or three classes. In such a case, wouldn’t my aid be the same as I still have plenty of classes to take freshman year?