Student loans HELP your credit score if you actually pay the loans as agreed.
You said you aren’t interested in need based aid because you don’t qualify and then complain that your Pell grant was reduced. A Pell grant is need based aid.
Are you left handed? Then apply for the left handed scholarship.
If you are asking if there is a scholarship for someone who drives two Volvos, I don’t think there is. The McD’s and Starbucks schoarships/aid are going to go to workers who aren’t embarrassed to go to work in a Volvo or VW or on the city bus. I think you wll be borrowing your way through school to protect your pride.