Harder than necessary

These prereqs are kicking my butt! Not the classes, just the logistics. :/ It looks like I'm going to be taking four classes at four different colleges - and no financial aid for any of it :( I took the A&P I at a local community collge ($700 - easy A) and, as you know, I'm trying to test out of A&P II through an online college ($250). I signed up for Microbiology at a community college right next to where I work, and found out it's going to cost me $1450!!! Damn! So I tried to apply for federal aid. The nice lady at the FAFSA office told me that student aid should cover all of it (individual classes at different colleges). The nice lady at the financial aid office at my nearby college told me that I can't get anything. Apparently Pell Grants are only good for undergrads, and student loans are only good for 6+ credits per semester. My measly 4 are gonna cost me a boatload. I was hoping to take my final class, Chemistry, at this same nearby college, but they don't seem to offer it in the evenings. Grrr.... So now my options seem to be find another college, or switch to part time work this fall or next spring and take classes during the day. I *never* thought that the logistics of the prereqs would be so damn hard. I hope this isn't an omen of things to come.