<prompt> Human: So Im currently attending college in the US and as a freshman, Im at a loss for what to do with my financial aid. The semester has started and my housing, tuition, textbooks and everything else have been paid for. After all of this I was given a refund check of 4000. Any idea of what I should do with this money?  <response>: If its unsub, give it back. If its sub then keep it as an emergency fund. 