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Also, if you retain the $15-20k in the bank the school's financial aid office will consider it every year you're in school and make you liable for it. In short, you'll get a much better financial aid package in your later years if you burn up that money by paying tuition in your earlier years. If you don't, each year the school will mark you down as able to contribute that much and offer you fewer scholarships, and more private loans at higher interest rates than government and/or school ones.

-Sascha
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