Refund Checks

My last year of college happens to be the first year that my financial aid covers my whole bill and I will get a nice refund! Well, I can get a bigger refund if I accept a subsidized federal loan, which translates to: more money now to pay back later. I could use this money and I'm confident that the job I will get will allow me to pay back my student loans with ease.

I have no credit card debt and I could pay a few bills with this money...I am going to pray about it.

I wonder how many people go to college for the refund check...