Did you take out a lump sum loan or only basic science tuition while on the island...

hello guys incoming student here for 2014,

just curious did you guys take out a lump sum loan for your entire medical education or did you take out loans increments for example take out loan for basic sciences on the island and take out another loan for clinical science when you get to Chicago. does breaking it down really save on interest?

there have been some hints that we(US citizens) may be qualified for US loans/ scholarships for clinicals since we are back in the US...is that true?

Thanks in advance