<human>: Can you succinctly summarize the text in 1-3 sentences?

I started my grad program last fall without a job, and maximized my federal loans to pay for my school and my half of the living expenses (I live with my fiance).  In January I secured and assistantship which paid for my tuition and came with a stipend that was just enough for my half of the living expenses. 

So, I took out about 22k (anticipating having to use it all) and I still have about 16k of it sitting in my bank account. I found out yesterday that my assistantship was renewed for the fall (and will likely be renewed for spring as well) leaving me to only have to pay for summer classes.

Would I be wise to just hold on to the extra money I took out last fall in case I need it, or should I pay it back in order to avoid accruing interest? We have about 2k in our joint account, which would last us about a month and a half if something terrible were to happen.
<bot>: I'm holding on to $13,000 in unused loan money. Would I be wise to pay it back now or should I hold on to it, as I may need it in the future?