<p>So I'm trying to decide if I should accept my Federal Perkins Loan (which I may or may not need). I was wondering if it's possible to simply accept the loan and, if I end up not using it, repay it after I graduate before interest begins to accrue. Also, will there be a fee if I do that?</p>
<p>UCLA, if that helps.</p>
<p>Thank you.</p>