Q. I have grandchildren who will be entering college in the fall and I would like to be educated so I might be able to help them. What is the step-by-step process for applying for financial aid, asking for more aid after the initial offer and if needed, applying for loans? Are government loans better than private loans? Should we use a CPA for assistance or someone else? How can one find scholarships for special needs students, e.g. a hearing impaired child?