<p>Whoever told you 13 units was needed for full disbursement was wrong. See the table on [this</a> page](<a href=“http://financialaid.ucdavis.edu/undergraduate/students/disdirdep.html]this”>http://financialaid.ucdavis.edu/undergraduate/students/disdirdep.html) which very clearly says 12+ units = 100% disbursement.</p>