If you're feeling guilty, tell the government (or whoever provides the financial aid) that you made a mistake when applying for the aid and you think you're not entitled to it. They'll be a lot more understanding if they find out first hand rather than through the university, which is what I think you were implying. They also won't think you're a fraud, cheat or crook.
If you're trying to get away with it, at least in Australia, the government will politely ask you to hand the money back over and maybe fine you if they find out. You'd be best not to spend the money for a good long while (maybe a year) until you're sure that the university's records went unnoticed. It's a risk and with government schemes, there's no goodwill incentive for you to be honest and hand the money back. It's really up to you and your conscience.
I can understand the dilemma. I would be honest and upfront, and tell those responsible that you shouldn't have received financial aid before you see the university.
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