<p>Jade, the problem does not lie within the Federal Aid system, but instead lies with your family. Blame your parents for setting aside no money for you when you were a kid or teen. Blame them for buying such an expensive house that they could not afford to make the mortgage payments and help you pay for school. Your parents *****ed up. And because of that, you will probably have to go to a different university. Because borrowing 80k in loans is stupid.</p>