1. Grants are not repaid.
2. Work while you're in school.
3. You don't need a new MacBook, iPhone, and wardrobe.
4. Maximum lifetime limit on subsidized Stafford loans for an undergrad is $23,000.
5. Maximum lifetime limit on unsubsidized Stafford loans for an undergrad is $57,500.
6. Anything over those limits is owed to private lenders.
7. Stay in school.
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