 TITLE: How Much Can I Borrow in Student Loans? CONTENT: Read the school award letter carefully, because it may not include all costs. It may list tuition but not room and board, for example. Or it may omit the expected cost of books, supplies and fees. It's important to consider _all_ expenses when planning how much you need to borrow each year.  \nFor example, if you have to fly or drive a long distance to the school, remember that you may need to do this a few times a year. You may also incur class fees: Art students may need to replenish paints or sculpting materials, or chemistry class might require goggles. Factor in costs for dorm supplies (clothing detergent, shower supplies, those extra-long sheets). Allow for some spending money for treats like the occasional meal away from the dining hall or special activities like concerts and sporting events.\nAs a general estimate, the Consumer Financial Protection Bureau suggests not taking out more in student loans than you could earn in the first year after graduation. The U.S. Department of Labor's career search tool or its Occupational Outlook Handbook can help you determine starting salaries in your chosen field.  \nIt may be possible to negotiate your aid package. Among other things, ask if:\n*   School-based aid could be renewable each year\n*   The school has other aid sources you could apply for\n*   The school will match financial aid packages offered by other colleges END