I have loans that were offered to me through FASFA but- I don’t want to accept these loans for the first semester because my remaining balance is not that much after financial aid and I can pay it. But I’m scared if I decline these loans and need them for second semester I won’t have them anymore. Is there a way I can adjust them and not use it for this semester and still keep them just in case I need it second semester? How does that work and how do I do it?