I'm hoping this helps a small amount because I was in the same boat when I started last year. Don't take out any additional loans if you can avoid it. If you have your rent covered you will be fine! We got our disbursements for the first semester before classes started, and I want to say it happened during orientation/before August 1st so there was plenty of time to order things. Take advantage of the student discount on Amazon Prime. You can get away with not having a laptop for some time; they provide ipads (highly recommend getting a cheap keyboard for it when you do get your refund) and the only thing I've really needed a computer for all year was our post-SP encounter assignments on BlueLine (it needs Flash to work). If you end up not being able to buy a used med kit (I think people were selling them into the first month of classes last year so you should be ok) order the stethoscope and borrow friends' equipment until you can get your own or buy a used kit the following year. I can only speak for what I've experienced on the Joplin campus - everything except the stethoscope is provided during SP encounters, someone in lab is always willing to share their equipment, and a lot of people still do not have all their medical equipment. Congrats on your acceptance!