Thanks for the info, I have one more question for you. When you got the scholarship, was there lag time between when your school began and when they started paying the tuition and stipend? My FA advisor told me to take out loans for the first quarter because she sees this a lot, even takes a couple quarters for some students (forgot to ask which HPSP branches they were). My army recruiters looked at me weird when I asked lol, they said I’ll be good. So I don’t want to take out any loans if I don’t have to, because they can’t all be refunded, but I get different answers everywhere.