Can SSDI and federal student loan funds be co-mingled and not be subjected to creditors?

I have filed bankruptcy. My only income is SSDI and I just had taken out a federal guaranteed student loan to pay tuition and help with living expenses. My student loan was $12,000 and my lawyer demanded that I spend it all before he would file. I did not want to live that luxuriously in three months and now have to take out another huge loan in order to live and for school expenses. In the meantime, my SSDI accumulated for three months and he made me spend that down before he filed. I don't believe this is correct. I have been on SSDI for over 20 years and the only money that went into my saving and checking accounts were my SSDI and then the student loan funds. The lawyer insists that student loan money can be used to pay my creditors, and I disagree, but he has basically told me to shut up and let him do his job because he said I have tried to control the situation (asking questions) and don’t trust him. That was not true, but is now, and want to go to court with a different lawyer.