My math skills are horrible. I called UC Hastings' financial office today and was told that I'd be spending more money paying the monthly interest on UNSUBSIDIZED Grad PLUS loans versus paying the accrued interest after graduating. I don't understand how this is mathematically possible. The finance officer did mention something about a 4% fee that the feds charge, but I'm not too sure how that plays into this. HELP PLEASE!!

How would you be making those interest payments? With loan money?
By using loans to pay interest on loans you are paying interest plus 4% on money that you really don't need. It is probably more efficient to take out the minimum amount of loans you need to sustain yourself and let interest accrue than to take out extra money that you plan on using to pay down debt.

I took out more money than I needed.