Will Financial Aid make me pay them back if I have an F in my college course?

Ok, so I did extremely well in college my freshman year. I had A's and B's the whole way through. However, this time, that's not the case. I am doing terrible, because I have too many hard classes at once. I have financial aid and know I can not withdraw, without having to pay money back. So, I don't know what to do. I know I have to have at least 12 credits, and cant go below that, or they will stop paying. If I end up making an F in a class, will Financial Aid make me pay them back? As long as I don't just quit, and keep going and trying? Isn't it that the grade just brings down my GPA?
 
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