Congrats on getting so many scholarships! I know that you need every penny you can get, but those outside scholarships really are helping out. By eliminating work study, any money you earn from a job will not have to be earmarked towards educational expenses and instead can be used for transportation to/from home, or clothing, etc. And if you still have expenses that need to be covered, you can take part or all of the $5500 loan to cover those instead of having that loan go directly to the school to cover tuition. It may not seem like it, but those scholarships really are helping out.