So NHSC is going to pay the money to your institution. Reach out to your FA office to see what they will do. It depends on many different factors... whether the loans are sub/unsubsidized, how much you were given, cost of attendance, etc. It's really complicated to try to figure out on your own, but your FA office should be well-versed on the rules. My summer and fall have already been paid by student loans, so I'm interested to see what they tell me on Monday as far as what they will do with my current loans and the future. Because I will need more than the $1400 to cover living expenses.