incoming MS1, I have the scholarships and funds to cover the total CoA for the first year. I was going to do that for the first year; and then just take out tuition + CoA for the last 3 years. But with interest rates dropping from 6 to 4.3, should I take out loans the first year and hold my savings until interest (possibly) spike back up at some point during years 2-4? or am i trying to get too cute here and should just do my original plan? excluding scholarships from first year, we’re talking ~40k saved, attending a state MD