loans for financial aid

<p>i received my finalized financial aid, but i have no idea on which loan to accept or decline...
i know i should also research.
is it more wise to utilize all the loaning programs that my aid offers?
it says our contribution is $605 total. this is what we pay right? and the rest other than grants, we pay gradually.?</p>

<p>if it's subsidized-then it's safe to accept it, because no interest is charged until u graduate from uni, and u dont need to pay back until u graduate. decline the unsubsidized loans because u pay interest monthly after u accept it :D</p>