<p>I’m not fully understanding what you’re saying here syltutu. The furthest FAFSA will let you fill out a form should be for the upcoming year - so if you’re seeing a form “for next year” that you haven’t filled out yet, that’s probably the one you need to fill out (2011-2012). Also B&G has nothing to do with loans. You can qualify for B&G and also qualify for loans (which ones depend on your EFC). You can also have previous loans and still qualify for new loans as well. When you say “in default” that means that you should not be in bad standing with any of your loans (which shouldn’t be the case with anyone who is continuing school seeing as payments should be deferred until 6 months after graduation anyway).</p>