<p>I got offered loans in addition to a tuition waiver from my school.</p>
<p>If my job, which just got funded, continues to be funded throughout the year, we will still need about $20k at least after paying for child care, to eat and live. I am terrified to take out that amount; I want $10k. I was offered:</p>
<p>Fed Direct Sub Stafford Loan 8500 </p>
<p>Univ Grad Tuition Exemption 5000 </p>
<p>Federal Perkins Student Loan 2000 </p>
<p>Fed Direct Unsub Stafford Loan 12000 </p>
<p>Graduate/prof Plus Loan 6366</p>
<p>I am thinking of taking the Perkins and $8k of the subsidized loan… what do you think? I really do not want to ruin my credit history now. I feel certain that if things don’t pick up for us in 2 years I’ll be able to get a job for around $60k/year and we have no car payment or mortgage right now so I could pay down the loans fast by living modestly.</p>
<p>Tips?</p>