Surely you have records of the amounts you have received in financial aid money awarded that you did NOT already spend on college costs. In other words…you need to know how much of your financial aid money you did NOT use to pay your college costs up to now. Between your financial aid award and bills, that should be easy to prove.
You would subtract the unused portion of your financial aid savings from your whole account.
But IIRc, this is what you can’t do…you can’t just say that ALL of your financial aid money was not used for college costs if indeed, the amount awarded WAS used for college costs. Does that make sense?