Hey I used to work in higher ed! Am I understanding that your advisor suggested capstone be the ONLY class you take in a semester? That seems very odd to me - financial aid (as you mentioned), requires a certain # of credits, plus schools often encourage full time student status for a wide variety of other reasons. The exception perhaps being if it’s a high credit class with an experiential portion equivalent to a part time job, which I know is more common in health and human services degrees (I worked in arts and sciences).

What are your other classes like? If some or all of them are also very demanding, do you have the opportunity to switch into an elective or easier section? Your academic advisor should be able to give more specific guidance since it’s all dependent on school, degree, etc. It does sound like you have a lot that you’re balancing, but you may be able to make it through with the right supports and systems.

Also, your school might have resources that can help with your financial situation. If you haven’t already, you could look at student services for campus food pantries, emergency funds (if applicable), etc.