Federal loans cannot by law be disbursed more than 10 days before the start of the semester. Some schools do wait until 30 days into the term for first time students to disburse. I have no experience with these schools, but I would think it would work the way other schools work ... as long as your aid is in order, any scheduled financial aid will be considered as pending & reduce the amount owed to the school. Where the problem comes in is if students need a refund to pay for an apartment or books (although some schools will offer book vouchers against the pending aid), and they can't get a refund for 30 days. But if you just need it to offset costs owed to the school, I would bet they reduce the amount owed accordingly (again, as long as all your aid is in order ... verification complete, awards accepted, loans accepted, promissory note & entrance counseling complete). Call the business office/bursar & ask.