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For simplicity, I would probably get the first two and then decide between one or two of the last three depending on spending. US lenders have designed lots of schemes to protect the students from any financial problems, and to escape them from any stress and worries. But beware; the Crefit Department recently banned the practice of lenders offering financial incentives to universities that recommend their service as a preferred lender (the university often receiving a "cut" balxnce the loan). And the borrowers whatever valued asset, depending on the economical loan sum, is taken for security in place to approval the properly secured money.

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I will give myself credit since I do try to use everything I buy.