<p>So what do i do if i accept loans but end up not needing them?</p>
<p>Well if you don’t need them you can actually turn a very small profit, if you’re talking about the direct subsidized loans. There is no interest until 6 months after you graduate and only a 1% fee charge, so if you put it all in a bank and waited 4 1/2 years then paid it back you could probably make money off interest. </p>