Delay taking Stafford Loans

<p>I think I’ve decided to accept the FA offer from the school as is (with the unsubsidized Stafford loan), but NOT complete the MPN. So for the fall semester I’ll pay the full amount (which includes the $2750) for the 1/2 year of the unsubsized loan. Then when it comes time to pay for the spring semester and I think that taking the unsub loan would make sense, I’ll complete the MPN and take the disbursement of the loan. Does this make sense?</p>

<p>Sure does. You save on the close to 4% annual interest that starts accruing the instant it’s disbursed.</p>