start school at Villanova at the end of the month. wife earns $2400/month, live with my inlaws (split rent), no kids, dog. about 4-5 grand in checking acct, about 13 grand in savings acct. for those who have gone through this before me: should i use all student loans and save the savings as fund for post-graduation starting money, or should i supplement student loans with savings money to lower my loan debt? my instinct is to keep savings (as emergency fund, yes, but also for start towards downpayment on home within a year after school?) and use pretty much all student loans to supplement wife's income during school. any input or special considerations from any of you? feel free to go in any direction with this; love any input you have!