Hi!

I have to pay for this year's college tuition, and I'd like to accept my financial aid offer by tomorrow.

The offer contains some amount of grant money, some loans, and some work-study. I can accept anywhere from $1 to all of the work-study offer (and of course would have to do the work-study program for the offered amount). Similarly, I can accept anywhere from $1 to all of the loan offer.

Here's the thing. The way it stands now, I can afford to pay for all of it without the loans or work-study (yay!). I'm fine with declining the work-study option. As for the loans, I want to build a good credit history. Would it be prudent to max out the loan I take out and repay it immediately? Is that how it works? Should I decline the loan entirely? Should I accept some of it?

Thanks for taking the time to read this!