Okay I am going to try my best to make this as little confusing as possible lol. I just started College and unfortunately, I was not eligible for any pell grants. The only thing paying my tuition is my 2 personal loans which are called the unsubsidized and the subsidized loans. I'm thinking about dropping a course but this is now the 80% refund week and I was just confused as to how I pay back the other 20%? Do they just tack it on to my final big payment after I graduate?