Credit hours Vs clock hours?

I'm just confused. I was just told by a financial councilor that I was not allowed my full financial aid refund because I am on clock hours. I thought clock hours only applied to certificate programs where as I'm in a nursing program. This puts me in a position where I owe money to the school because they're taking 1/3 of my award money which I was told at no point was going to be less than what was printed on my award letter.

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