<p>@Organmaster
The government allows you to defer payment on direct loans until 6 monhs after you lose full-time student status (by dropping out of college or graduating).
In your case, I’d take the full amount subsidized - subsidized does not accrue interest until payments kick in -, leaving a $860 gap. You can earn this money from any part-time job.
For what it’s worth, it sounds like the school is BYU, though I could be mistaken.</p>