<p>Hi im a long time lurker here but finally decided to join. I have a few questions regarding financial aid and if anyone can help me it would be much appreciated :)</p>
<ol>
<li><p>Im currently attending a private school (Chapman spring transfer) and I was wondering if i took out federal student loans (sub/unsub) and dont attend interterms(dont have any classes i need) will i have to start paying? how does the process exactly work?</p></li>
<li><p>I accepted a work study program but not sure how it works and have not received any info from the school yet anyone know?</p></li>
<li><p>Currently my EFC for 2011-2012 is 2750 and for 2012-2013 it is 0, lets say during next year i get offered lowered interest loans and probably more than i need, would it be a good idea to take the lower interest loans and pay off the unsub i have with it? (i have to take out like 5800 since my parent plus was rejected and im already scared of the 6.8% interest)</p></li>
<li><p>Typically what kind of financial aid package can i expect to receive at a private institution(cost is 19992 without room and board) with an EFC of 0. (I know it varies from school to school) but i just want to see samples.</p></li>
<li><p>Do you have any tips for paying off student loans (once again just the unsub for right now) early without affecting my fafsa?</p></li>
<li><p>I attended college in 07-08 (had a few delays in community college because of lack of classes) and i received pell grants since then and i know theres a limit of 12 semesters but i also heard somewhere here that they began tracking it in 08-09 so anything prior doesnt count? is that right?</p></li>
</ol>
<p>anyway those are just a few of the questions. Thanks for any help!</p>