I thought student loans can only be used for certain expenses. If your sister lives at home she can use it for some commuting expenses but probably not for housing for you.
Why does your apartment cost $9,000? Can you get a roommate to help share the rent?
You can borrow $12,500 as an independent senior. Can you get a job?
You would have done this FAFSA for the current academic year last year. You knew that your parents couldn’t get the Parent Plus anymore, did you try to find a cheaper apartment?