<p>I usually get my loans at the beginning of the school year but can you get them later during the semester? </p>
<p>I want to get my pell grant and other grants at the beginning of the semester but get my stafford loan later in the semester.</p>
<p>Also I turn 24 during in January and will become independent. Will my loan amount automatically change for the spring semester? Will I have to wait for the next school year?</p>