Erisianmonkey:
I am also a student, put not full time yet (financial aid issues... never get enough money), but I am looking to change that (partially with the loan refund stuff you mentioned + my main part time job (both jobs are part time))...so I am in a similar boat, but not an identical one. I know how it feels. I went all kilt crazy the first time I got a refund, that's how I ended up with a few different ones.