<p>Since you’re only being offered unsub loans it doesn’t make much sense to take them now when you’ll only be incurring interest charges. Since your D may find alternate funding or ways to cut her expenses as she progresses (ie. jobs, RA, scholarships, moving off campus, etc.) I can’t see any benefit to borrowing now. You do have some time to think this over anyway and can request her loans later in the year if you decide to. If you are committed to paying her college expenses in full and leaving her with no debt you may find that other loan options are less costly than Staffords anyway.</p>