the use of "student loan calculator"

What are we going to do after graduate from school? have we ever considering about taking a student loan, or already have, and maybe they are going to be coming due soon. it is important that we know exactly how much we will owe, and how much your monthly payments will be, and the use of "student loan calculator". we will need to start making payments shortly. for federal Stafford loans, yo get a six month grace period from the day you graduate until you have to start making payments. for federal Perkins loan, you get nine months. in preparation for school, a student can choose to apply for a loan to cover only the cost of tuition fees of the university or college he or she is attending.
this amount will be limited to the total annual fees of that year. the other category is a student maintenance loan to help with the various living expenses of the student.
therefore, the eligibility of a "student loan calculator" based on two factors; one is the residency status of the candidate and other is the eligibility of the institution where we planning to study. the student should be a resident f the UK and must study at an establishment that is specifically for higher education, or is qualified to award a degree. any UK resident who is pursuing a degree in full time studies is eligible to receive student loans for the full tuition fees for the year.
then what is the mean of the use of "student loan calculator"? the students income and also the household income as a whole, taken out into account. if the student is from low income household then he or she can apply for extra funds. i advised that a student should take the full amount of student loan for which they are eligible, and keep any unused portion in a high interest savings account. for instance, if we taking out only part of the full amount a student is eligible for, and then running out of living or tuition expenses, will be a loss for student like us. once student loans have been taken out, there is no opportunity to go back and ask for the remaining funds they chose not to take at the time of the application.