A loan is not considered income, because you have to pay it back. A Pell grant is also not considered income, so long as it is used for qualifying education expenses. See "Do you have to pay taxes on your Pell grant"?
Now that you know these two things, you should try the IRS Interactive Assistant "Do I need to file a tax return?"
In similar situations, college students often are not required to file a return, but do so in order to recover the tax withheld on their part-time job. But we don't have enough information to say yes or no - that's why I suggested the IRS Interactive Assistant.
We do not answer FAFSA questions here.
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