@mel159 I meant that you could cover the full-time tuition of $17,786 with full time Pell, full time state grant, and student loan.
But I did not know that you had housing/food expenses as well. I assumed you lived with your grandmother.
So you say by taking only 9 credits the last 2 semesters, you can save $3,384
But by reducing Pell to 75% ($4,361) and state grant to 50% ($2,002) you would potentially lose $3,458 in aid.