Yep, no FICO for FAFSA, so don't worry about those loans. However, as I'm sure you're aware, the fed-loan max is based on the hypothetical single childless student who can live in a drawer somewhere. They'll make some adjustments for childcare, but not much.
Frankly, this is not a terrible thing. I know it's all the rage to take out zillions in student loans, but I think in general it's a bad idea. They take for.ev.er to pay off, and the current rate is not insignificant. Meantime you're at a stage where you want to be socking it away for the kids' school & retirement, not accumulating large debt. If you can chill and pull things together until you're going mostly on someone else's dime, I'd do that. It may not take you very long, either, depending on what you want to do; you sound pretty together, and your kids aren't babies, iirc.
Where are you looking to go, anyway?