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I am about to apply for a student loan, but I don't know how all that works. Like, lets say, I need 6k per semester or 12k per year. Roughly 48k for four years of college. When applying for a loan what number should I put in? I mean, if I need 6k for upcoming semester should I apply for 6k loan? And then apply again next semester for another 6k? Or should I put the whole tuition cost for all four years? 48k in that case. I wouldn't like to take the whole 48k now and accrue a lot of interest but I also don't want my credit report to be checked every semester while applying for another 6k I need? And if approved for a loan can I just take a portion of it or should I accept the whole amount?
I am sorry for confusion and for such a naive answer, but I never applied for any student loans and really don't know how the whole process works. Your input is much appreciated.