<p>Pay attention to Warblersrule’s post. There are notable differences between the subsidized and unsubsidized loans. The unsubsidized loans begin accruing interest immediately, among other things. So, as was pointed out, the amount owed by the time you actually start paying back will be somewhat higher than the $18k. I’m sure there is information all over the internet on this or you could call UChicago FA for details.</p>
<p>Best of luck to you. You come accross as a remarkable young person. I strongly suspect you will be successful no matter what your final decision is.</p>