The financial aid lady recommended that I take the max amount out, which I think was the cost of tuition plus about 12k extra. I soon realized that I didn't need that much extra, so I have given back about half of it. Plan on spending about $750-$1000 on books the first year, plus about $400 for APTA membership, your supply bag, lab fees, etc. And then rent, gas, food, and other living expenses. If you take out the max amount like I did, there is a small window of time at the beginning of each quarter where the financial aid office will send back some of that quarter's money if you want them to, or you can wait till the end of the quarter and send some back yourself.