Parent Plus Loan Question - Paying it off now or later?

You can get 8 semesters of PA state grant, for a full time state grant you have to take 12 credits a semester.

If you take fewer credits than full time for Pell, then it will be reduced as well.

You better stop at your school’s financial aid office with your plans of taking 9 credits senior year and find out how it impacts your aid.