11-12-2012 12:23 PM
Hi all. I am getting ready to start graduate school and am in need of financial aid. I filled out my FAFSA and am waiting on my school to send me my login information so I can view my financial aid eligibilities. In the even that I need a loan, when would the best time to apply for it be? Should I wait another few weeks? Or should I just apply now? If I apply now and am approved, can I then decline to take the loan? I was thinking about going through Discover or Sallie Mae. Any suggestions?