Denied Financial Aid Because of 182 Credits.

[Hotdogman1]

There is no point in contacting those other organizations (ACE, Coursera, etc) since they can do absolutely nothing for you.

"Your college uses your FAFSA data to determine your federal aid eligibility." (https://studentaid.gov/h/understand-aid/how-aid-works). The source of the error can be from your FAFSA Application, government (issues with SNN, Tax Returns, Etc.) and UMPI. It's quite obvious that UMPI is wrong here but that doesn't mean there could be other errors. You're supposed to call your University's Financial Aid department to get this sorted out.

If you're not willing to directly call UMPI, just apply at one of the other schools on this forum. Since the schools themselves decide based on your FAFSA info and most schools are independent of each other, different financial aid offers can be expected at separate universities. i.e. A Financial aid denial at UMPI would not influence the offer decision at any other school in America (except maybe those in the University of Maine system?). So either call UMPI or move on.