<p>I would at the very least take the Perkins and subsidized Stafford, even if they just sit in the bank. If your situation changes in the future, you will have this as a cushion. </p>
<p>If you don’t need it, you can pay it all back when you graduate and it won’t have cost you anything.</p>
<p>Just don’t blow it all on spring break. :D</p>