You really need to do some research and planning before you accept a student loan

true or false

True.

It is important to do thorough research and planning before accepting a student loan. This includes understanding the terms and conditions, interest rates, repayment options, and potential impact on future financial goals. It is recommended to explore alternative funding options, scholarships, grants, and work-study opportunities to minimize the need for loans. By making informed decisions, students can avoid excessive debt and better manage their finances in the long run.