I just applied and was approved for the Key Alternative Loan, so I plan to start July 1 with the Private Audit class. My question is regarding the release of loan funds to me. I talked to Sylvia in the FSA Financial Aid office and she said a $60,000 loan is disbursed to the student in 3 installments of $20,000. However, I and my cosigner, are not comfortable with leaving that $40,000 for FSA to keep in their account. Is there a way to get the entire $60,000 disbursed in one lump sum at the beginning of training? Why should FSA have the right to keep the money in their account and earn interest while I am the one that is accruing interest on the loan? If anyone has had experience with the loan process at FSA, your insight would be very helpful. Thanks!