<p>Does it make sense to accept the unsubsidized loan in addition to the subsidized loan and workstudy to maximize potential second year financial aid?
The unsubsidized loan is not really needed, but the concern is that if you don’t accept all aid offered, they might reduce future aid as you don’t look as needy.</p>
<p>Take only the loans you need. Next year you will be offered unsubsidized loans again, regardless of whether you take them now or not.</p>
<p>I absolutely would not take unneeded unsub loans. The interest starts accumulating immediately. And it is not a good interest rate.</p>