My debt load will be high by the end of all of this, probably around 280k, had 85k from undergrad and postbac. I'm heading into 3rd year and was offered the LDS loan for 10k this year and next year, which equal 20k total. On these loans the interest rate is 5% and interest doesnt accrue while you are in school, I have to let the fin aid office know If I want to accept them or not. In order to get them I would have to provide parent information and I would rather not bother my mother at all, we don't have a great relationship. Is the amount of money that I would save on only 20k worth stirring up family problems? How much would it be?