18, should I spread my money around?

I have a checking, ING, 403b, ROTH IRA, treasurydirect, and 529.





I will be going to a community college, it's $100 a credit, I applied and recieved some form of financial aid, where I will study, and transfer. Should I get a federal unsubsized loan? Or go to school and work my @ss and pay what I can for tuition and books?





Am I @ risk of spreading my money too thin?





I plan to get a fed. unsubsized loan and put it in a high-yield savings acc. then transfer to checking and pay for school.





I will be living @ home, and my parents are OK with that.





btw: Notice, I will not and will never desire @ this time, have a GF in my college career. Therefore, any underlying expense is greatly reduce as well as stress/time. I have a part-time job.





No mean intention intended. I'm serious about this.|||I agree, work while in school. Interest on a high yield savings account won't cover the cost of loan interest. Good job starting in community college! I would do my best to pay my way through community college and worry about loans once entering a higher cost university. Living at home, you should be able to swing the cost through community college.|||Many people come out of college with lots of debt and a degree that is pretty worthless. I would always recommend that you pay as you go.





I quit my job at 40 after saving and paying off all our debts so that I could go to college full time for 4 semesters and get my BSN/RN.