<p>If you don’t already have the maximum in Stafford loans ($5500 of which up to $3500 may be subsidized if you have unmet need) then you should be able to convert the WS to loans. </p>
<p>Or you can uses your summer earnings to cover your immediate needs and use WS for personal and travel expenses. Generally that is what WS is used for as it is not available at the beginning of the semester.</p>
<p>Is the ACG still showing as part of your aid package but just not disbursed yet? Sometimes certain parts of aid are disbursed late because the school has to verify eligibility. My daughter has 2 grants in her aid package (the SMART and a state grant) that disburse later than the rest of her aid. You need to check this with the school. Of course even if it is still there only half will disburse this semester.</p>
<p>But talk to the FA department ASAP. It sounds to me like you should have no problem getting this sorted out.</p>