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We're just going on the information that YOU have given us. You've come here asking for advice on a multitude of questions. Based on the information you've given us and what you've said, impressions and opinions were formed.
To sidetrack for a second- there is a wealth of information out there about financial aid. It is up to everyone to educate themselves. Hell, most people do it themselves without any help from any sort of adviser. It just really came across (and still comes across) as shifting of blame. It would be easier to be understanding towards your situation if you just said "yeah, I screwed up" rather than blaming everything on the evil school and advisers.
I'll just be blunt- your chances of sorority membership are pretty low. Low GPA, older, several transfers, possible financial issues, and the fact that you're not getting to the school until spring (when formal rush is held in the fall) and won't really know anyone- none of these bode well. Everytime you've started a thread with a new question it's just adding to this list- it seems like there's always another issue.
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