I am sure some of you have been through this so here is my question? I have just received my student loan package from Missouri today. It is up around $51,000. I am going to decline two loan offers to go down to $42,777. I really only need about $36,000 for the first year ($8,500 subsidized and $34,277 unsubsidized). I emailed the financial aid advisor for the school of vet medicine about the situation. There is a system where I could set up a direct deposit with my bank to receive the money from the student loans. I will wait on Monday to hear what she says about the situation. If I am forced to take on the money, is there a way to send the unused sum back to the government or can the financial aid office take care of that?
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You should not have a problem declining two loan offers. They really cannot make you borrow more than you need. However, if you decide to borrow the full amount you can get the leftover money from your financial aid office to use for other educational purposes like housing or books. Also if you want you can just send it back to your lender.