<p>Wow, thank you so much Kender! You covered and thoroughly explained a lot of the things I was confused about!! :]</p>
<p>Since there is a deadline for accepting financial awards, I want to be on the safe side. If I don’t take some of those loan offers, can I request or accept it later (as necessary)? Or calculate a rough budget right now and hope I don’t go over it? xD’</p>