<prompt> Human: I know this is a hot topic, but Im going and thats that. Im here for help with some financial questions. Im in Texas and did receive a small scholarship 5kyr from the school. Im going to U of H and this is what they gave us as the estimated costs -- Books and Supplies1,450.00Miscellaneous Personal Expense1,352.00Room Board300123600Transportationgas1,000.00Tuition and fees14,285.00Term Total21687.00Total Cost of Attendance43,374.00-5000 38,374yr Ive made changes to the housing and transportation costs because ill be paying minimal rentbills with family and i have a prius will be living near the school so gas wont be much of an issue. The school only gave me the max amount of unsubsidized loans in my financial aid packet 20,500. However, I really do not want to take those out. I just doesnt seem like something anyone should ever do : Ive been looking at the CAL Loan for Texas Residents and it seems pretty tempting. It has a 4.5 fixed rate right now and also has listed as a perk that it offers no interest capitalization but what does that really mean in plain English? Ive been googling all morning and seem to partially understand capitalized interest as being similar to interest starting on the 1st day of the life of the loan, but does no interest capitalization mean that it wont start until after -- similar to a subsidized loan? Im also looking into private loans. I tried Discover, but they dont work with my school. So my other option is SunTrust, but I havent looked into them just yet. Silver Lining-- the financial aid officer of my school told me the first year was the hardest to fund and more scholarships would be available to me after year 1. Edit: spacingedit 2 : thank you guys for all your opinions and tough internet love. I appreciate the concern to get me to understand to wait and retake, go to another school, do part time, etc. theyre all great options that ive already considered. There is a lot more to my options and situation that doesnt go on this sub. I should have cleared my head a little more before posting, but i ultimately came here looking for a better explanation of non capitalised interest. which i got. so, thanks guys! your work with me is done!  <response>: The only school in Texas worth going to is UT. Retake the LSAT and apply again. If you cant get in, dont go. 