<p>Which option is the best? I heard that if you go for a 3, you're losing money. Is this true?</p>
<p>You can’t make a mistake. Unused fall points automatically go over to spring. In the spring you can decrease (or increase)your plan at any time. It’s all good. Just pick one.</p>
<p>I like to go with a lower number of points and add more later, that way PSU isn’t holding your money all semester. Also, additional points can be added with a credit card, so you can earn rebate $s or airplane miles.</p>
<p>Awesome. Thanks!</p>