Typically, instructors aren't called on to take on financial issues, Terri. I guess I applaud the institution for having FA guest speakers in the classroom, but it seems to me that the solution is more likely found further upstream in the process. Do your students complete a financial plan before they start classes? This plan should clearly identify sources of funds, how they can be used and the student's responsibilities. They shouldn't have any question about the level of care, support or funding when they show up.
You can proactively set expectations on the first day of class: provide contact… >>>