<human>: I'm 19, battling depression and anxiety, wrapping up my AA and find myself in a unique position. I have attended community college O through a combination of state-sponsored help and my own means, community college R through financial aid in the form of loans (no grants), as well as participating in an online for-credit MOOC.

My transcript is plagued by poor grades, particularly from R, and I am aware of how the National Student Clearinghouse keeps track of these things. This is where things got interesting (or so I thought):

I have plans for my stepfather to adopt me, which, if anyone isn't aware, is retroactive (a new birth certificate is recorded), and I can apply for a brand new social security card, license, and so on. I also, through a series of events, have not obtained a high school diploma as of yet, with a state law granting me one when I complete my AA.

This, I had thought, might theoretically allow me to apply as a transfer student (taking a class in Fall from the MOOC after I get my degree/diploma), but I understand that the student loans would probably get me caught up when I went to get FA from the new college. So this scheme just isn't going to work.

What can I do? My grades are acceptable without college R (around 2.8), but much less so with the grades from R (around 2.4-2.5).

Can you succinctly summarize the text in 1-3 sentences?
<bot>: I have an opportunity to hide my grades, but FA loans have pretty much damned that, what can I do to make the best of my future?