That probably won't happen, and it's not really a big deal.  Utilization on installment loans (like student loans) may show as a negative, but its impact is very limited, especially compared to utilization on revolving lines (like credit cards and lines of credit).

If you haven't entered repayment yet, you'll have the opportunity to pay off your interest before is it capitalized into the principal of the loan.  If you can do that, it will save you money, because once the interest is capitalized, you start paying interest on it.