<p>I got some unsub loans last fall to pay for college. I did not realize that fall quarter was actually more expensive than the two other subsequent quarter so I have some leftover sub loans. I was thinking of paying back the unsub loans with sub loans and i was wondering if that's a good idea. My concern for this is that I was wondering if the school or the finaid institute would re-evaluate my fin aid because it demonstrate that I dont need the aid (primarily because I live in a triple and I rarely spend money so I have leftover). I ask this because I asked the fin aid counselor about this before and I think she said something along those lines but I am not sure what she exact meant by it.</p>
<p>Well if you have leftover loan money sitting in your bank account, then you’re free to do with it as you wish. The money is indistinguishable from funds you would otherwise have in your private checking account, so financial aid people would be hard pressed to know the difference even if they were looking. Making regular payments on your unsubsidized loans is a reasonable thing to do unless you’re making substantial payments towards the capital that indicate an ability to pay more (i.e. making a large lump sum payment). </p>
<p>Besides, it would be unreasonable for financial aid people to expect that everyone will defer payment until graduation and allow interest to accrue at 6.8%. UCSD financial aid officers largely just package your annual aid based on information given in the FAFSA and the availability of funding. Remember that we’re a school of more than 20,000 undergraduates and no one is out there on a mission to take away your aid (except your favorite state legislature, of course).</p>