Get your credit report and see what’s happening. You didn’t have an LLC, now that you do you can build business credit and any loan you get, get on business and EIN, not your SSN.
I’m thinking this either slipped through the cracks or it was a grant, either way a good one!
I would consult someone about real estate. If there’s a way to put thay as a down-payment for a property, you may be able to lower taxes substantially. BUT it has to be someone who really knows this, and your accountant doesn’t seem to be someone thinking out of the box. I’ve always worked with a tax attorney who filed my taxes and she is a shark!