<p>Is there any reason to use to use an unsubsidized Stafford loan if you can get by without it? Does it negatively impact the availibility of financial aid in subsequent years or have any other adverse effects?</p>
<p>Cryptically: For the very opposite reasons to use Cash. </p>
<p>Less Cryptic: College Loan can buy only one thing-College COA. Cash can be used for anything. Preserve and acquire assets-leverage assets to acquire nonassets.</p>
<p>Use the debt but not be used by debt.</p>