SFE Reduced Loan Before Processing Documents – Need Advice!

I'm a third-year student on a four-year course. I recently received an email from SFE asking for evidence to support the tax years 2022/23 & 2023/24 as they originally only asked for estimates. My parents have submitted this, and I've had confirmation that SFE received the documents.
However, despite this, SFE has now automatically reduced my loan because the documents haven’t been processed yet. This gave me the fear of god, but it’s whatever.
My concern:
For the tax year 2022/23, my mum believes she may have forgotten to declare a lump pension sum she received, with around £19k of it being taxable (she’s now declared this). This would massively impact my loan for the current academic year (24/25). Right now, I’m entitled to just under the full amount, but this could mean I miss out on several grand from my final payment and may even have to repay some—neither of which I can afford.
However, for the tax year 2023/24, my parents' income is around £30k. I know about the Current Year Income (CYI) process, which could better reflect our financial situation, but is it too late in the year to request this?
Side question:
My mum is a full-time carer for my disabled brother. My flatmate mentioned that her mum being a carer meant she was entitled to the full loan, even though their household income was quite high. Is this true?