Could not find the financial aid forum, so I'm posting here. I am about to start med school this fall and I am contemplating to reduce the amount of my unsubsidized Stafford loan, currently ~ $15,000 (by the way, is Perkins also unsubsidized?). I am struggling with uncertainty of how much I will spend once in med school: on one hand, I don't want to find myself short of money, but I also don't want to have a surplus in the bank knowing that I should have borrowed less. How do you guys deal with the situation? I am thinking just to sign up for the package as it is, knowing that I am likely to have a surplus, see how it goes for a semester (how much extra money I have), and maybe adjust my loan afterwards. Does this sound like an okay plan?