// Okay, I’m so confused.//

i never had to deal with this stuff as an undergrad because I was blessed with a full ride scholarship to HPU, but now i’m just completely lost.

according to my award letter, the cost of attendance for my USC master’s program is around $36,000.  i was offered a $10,250 loan for each semester for a total of $20,500, meaning I have to come up with the last $16,000ish on my own.  i’m hoping for the $12,000 scholarship from imi na’auao, but i have yet to hear from them.  and i applied for some other scholarships, too, so we’ll see how that goes.

now, going back to those loans, how much am i gonna have to pay back?  cause it’s unsubsidized, which means the government will not pay the interest for me, and i’ll have to pay interest.  where do i find how much the interest is?  and how do i gauge how much interest is ludicrous?  hahaha, i just don’t wanna be paying wayyy more than i need to for school by taking out loans.  but without the loans, i’m not entirely sure how i can pay for school.  brahhh.  why is education so expensive?  i just don’t understand.