<p>I’m trying to figure out if you really need the full $30,000. My CC says cost of attendance there is $10,000 and I never spend more than $200 a semester (I do have a fee waiver). But I usually know where to get my books for like $20 and my car is half full with $20, etc. I’m not a heavy spender and I’m quite frugal. I understand needing money to pay enrollment fees, dorms, etc. But all that other stuff added on is usually unnecessary since I never spend that much.</p>
<p>I have no idea if I should get the loans or not. Are you allowed to get them half-way through the semester?</p>