Why is financial aid at colleges so difficult?

I have never had this hard of a time with the game of bureaucracy that colleges play. I had to go through this Satisfactory Academic Progress thing of theirs a couple of months ago, now my husband is dealing with it. This is a community college so most associate's degree programs are 60 hours. Apparently, you have a time limit to graduate of 150% of the hours you would need. So that means, you have up 90 hours to graduate or they cut off your financial aid. This is all fine except forI was young and dumb once and literally screwed up every single college class I took in Oklahoma when I was 18. They count all of your transfer credits into this 90 hour figure, so I have 90ish hours right now, and I still need like 40 hours to graduate, but with no way to pay for it. My husband has unique issue. He has a degree from India, but the colleges here won't count it for anything except for like 67 hours of elective. So right now he's looking at 101 hours, but he still needs like 30 hours to get an associate's degree and transfer into a 4 year college. This is mass insanity!!! I know people that are like "professional students" and they go to school forever. I just wonder now how they pay for it. I assume they either pay it out of pocket, or take out an ass load of student loans. We're just panicked right now because my hubby's already enrolled for the fall and we have to come up with money for both of us to go this year! Ah such frustration!!!