Make your mom happy and wait a bit longer - tell her to get her stuff done quickly.
But your mom is not correct. If the school is need aware and you are border line, they’ll look at everything b4 deciding. If need blind they won’t.
As long as you are meeting the priority deadline for admissions, you can wait - but you are correct and she’s not.
But again, make mom happy.
Ps have your run the NPC to see if you’ll even qualify for aid.
I surmise most turn in apps b4 fafsa/css.