<p>$15,000 should be plenty for two semesters if you don’t have auto expenses and don’t buy a health insurance policy through USF. If you run all around Tampa partying and eating in restaurants every night and blowing money you’ll need more. I’d hold off on turning down loan offer though until any tuition and Bright Futures changes are finalized. Too, keep in mind that if you turn down work-study this year, USF probably won’t offer it to you next year even if you are still eligible–they have limited funds which are first come first served.</p>