DIRECT STUDENT LOAN

and can such loans be used for my housing (apartment rent) or only direct educational expenses. I am looking at Chase Education Loans. I am a 3rd yr undergrad. I plan to go to grad school directly after undergrad. Do payments begin after undergrad or graduate school? Tyvm.

I have borrowed more student loan money than I should have, around 50k, and I need to know what are the steps in getting low payments and who to get them consolidated with?
Also what should I expect as monthly payments to pay it off in 20 years? And in 30 years?

I would like to use the new GI bill once i get out of the army but I have used the student loan program. Does it take all 4 years to meet that obligation or is it only the 3 years that they paid it in?

Are you able to make your payments? I am just curious what everyone else is doing. So far, I have about $20,000.00 in student loan debt for 4 years of school (I have a bachelors in psychology now). I am going on to graduate school and student loans are going to have to cover all those costs too, including me getting a used car for a few grand. Is everyone else spending all this student loan money too?