You are 100% wrong. Whatever financial aid you receive is paid to you as the student, as a literal check, once the cost of attendance is paid to the institutio

You are 100% wrong. Whatever financial aid you receive is paid to you as the student, as a literal check, once the cost of attendance is paid to the institution. You can then use that money to pay for whatever you want. Some low-income students actually get paid to go to community college because of PELL and state aid packages, even without loans. Google, "Financial Aid Refund".