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According to finaid.olemiss.edu, the Mississippi HELP grant is "... a grant covering the cost of tuition (including required fees)  and the average cost of campus housing". That is all I have to go on thus far in researching it, but can confirm with my school tomorrow.  So I am fairly certain the Pell ($3448) and HELP ($4303) grants are unrestricted.  As for the rest of it, and exactly what to do with all the information, my brain is about to explode!  I think I have looked at this tax stuff for toooo long, and now nothing seems to make sense, ha. Thanks for sticking with me and TRYING to help me understand it all!!!