<p>I think my grants will be enough to cover my college costs, but I am also qualified for a direct sub loan. Should I accept my loan just in case I am going to need more money? Or is it all right not to accept or decline the direct loan until you need it?</p>
<p>Well, that depends how sure you are that it will cover everything. Not using a loan is best but it really depends. Is it going to be tough to pay for any remaining costs? </p>
<p>I’m taking out quite a bit amount of loans to simply cover the cost of living there.</p>