Is it possible that it’s the bills that are more expensive than you expected? Are you sure you have counted all additional costs? For example, a LOT of colleges will automatically charge for student health insurance. Usually it’s just a case of submitting proof of insurance and that cost will be removed. Or maybe there are mandatory fees for other things. For example, at my son’s uni, all students have to pay some additional fees for the health center. Did they automatically give him the most expensive meal plan by default? Did he choose more expensive housing? All these types of charges are very common. They don’t give away anything for free, lol.
I think you need to explore those possibilities. The amount of money you’re talking about (around $2000-$3000 over the year?) seems consistent with these types of charges. It’s really easy to get them reduced usually. Just call the FA office and ask them to explain.