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It seems to me that you are currently living with your parents and want to move into your own place. I am guessing that you have been commuting and that your tuition was covered by a scholarship that is now discontinued. My guess is that your tuition is under $4000 which makes your COA at that point since you are on the record as a commuter. That is the only way I can come up with a $4K Stafford loan for the 2009-2010 academic year.
What is the tuition for your college? Is the $4k figure for the unsubsidized stafford for the entire year or for a semester?
You are not giving us enough info to help you.
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