You're going to need to talk directly to your chapter; I doubt anyone here can really help.
I also will throw out this unsolicited advice: I think that your elaborate system shifting around money that's really for one purpose and using it for a different purpose is a bad strategy long term.
I'm not sure if when you refer to your financial aid, you are talking about grants or loan, but I seriously doubt that you want to be spending the money that you need for classes on expenses other than tuition.
You need to sit down with the financial people from your chapter and figure this out so that you don't end up far in debt AND in bad standing with the chapter.
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