File! It's free and you can do it online. And if you don't get grants, there's always a good chance that they'll go "Oh, you're just a little broke, so we'll give you a free ride, but no grants" or something like that.
I'm 26 and I'm still in college. The second I turned 24 the government gave me a full ride, plus grants. When I was 23 I think I got a fee waiver for community college, plus $1,000 for a whole year. Now I get a full ride to UC Berkeley and almost enough money for rent and bills.