I just had a question for you. Was the loan you got a federal loan or a loan from like Amex or Citibank where they check your credit? What is your interest rate? I'm entering grad school next month and I got $2500 (enough to cover tuition). That's fine but you know how they send the financial aid letter stating what the "budget" is. I wanted to get an additional loan from Amex (I have an unsubsidized federal loan from them now) and use the money to do what you are doing. So any information you can give would be greatly appreciated. Thanks!