<p>My son just lost his AC grant. Apparently he had too many credits from AP classes and is considered a sophomore even though he hasn’t taken one class there. Do you have a lot of AP credits? That may be why you lost your AC grant. I would call the financial aid office and explain the situation. I know that at the university my son will be attending they allow work study to be converted to loans. If you do that, you will get the money up front. You don’t have to convert all your work study to loans. You could convert a portion or all of it. It would be up to you.</p>