I don’t think @gearmom is lecturing you, nor is she saying that you can’t stick to a budget. She’s asking you to look at repayment because you need to be able to repay your own loans.
Right now, you are asking about using Pell funds for study abroad; funds that you don’t appear to have on your own. Interest on loans adds up quickly.
What if you don’t get into the school you want?
Many students have to find jobs that are in very different towns where a person needs to pay rent and transportation.
What if you get sick, or have an accident and can’t work?
School loans are not forgivable: you can’t get rid of them in bankruptcy.