The thing to remember is that you have a budget for the academic year already through your FAO. That budget can sometimes be extended, but you will need to give (in writing), a reasonable estimate of what you need and what you think you can earn during that time. perhaps the most important thing to remember is that your Stafford loan caps at $38,500, that's it, no more, nada. Anything wlse that you borrow will be a loan from a private lender that is more expensive. Also, I don;t know of any lenders that will guarantee always being able to borrow those additional funds each year. Example, if by your MS-IV you have max Staffords and already 24,000 in private loans, no income, etc. you may have trouble getting funds to finish.
Pay as many bills now as you can, and earn as much as you can before the school year. Be conservative in books when you get to school to control your first month expenses.
electra