Have you gotten your spring bill yet? If so, has all your aid been applied? Usually, some aid won’t disburse till January/right before school starts. If that’s the case, you should have an outstanding balance on your student account/be able to “pay” the bill. Then you’ll have $0 on bank. File the FAFSA on January 1st or before your aid kicks in. Then when your aid is applied, you’ll get a refund/your $ back.