<p>christena, you can take all the loans and the money that you do not need just let it sit in the bank because the percentage is so low that you cannot get a personal loan that has these percentage rates…in your college years, emergencies happen and that can be your cushion in those cases…after your senior year, when no emergencies occured during your college years, pay the loans with the money that you have in the bank. My 2 cents</p>