student loan planning... what???

one thing that i got from reading jean chatzky's talking money isn't some thing i gleaned from reading the book. after reading the part about money market accounts, i decided to look into one for myself. after going to the recommended website, which had a simple search function, i found a high-yield savings account that sounded like it would work for me. not exactly a mma but close enough and it gave me the yield i was looking for. but so i took the numbers that the account information provided me and created a very intricate but fairly easy to use excel spreadsheet. i figured out when would be the ideal times to take out student loans (for my grad school tuition) and how much i'd need to put into the high-yield savings in order to pay for the next two years of school. this spreadsheet allowed me to figure out the smallest amount of loans i would need to take out and when to do it. also it's adjustable. if i end up making more money than i currently expect to, i can adjust my monthly input. if i get a christmas bonus or another inheritance check from my grandparents, i can include that too. this is probably one of the most useful financial tools i'd come across. many calculators online tell you how much it'll cost you to pay off a student loan over time. or they tell you how much a monthly investment will be worth over a period of time. but nothing takes into account periodic withdrawals and monthly deposits. and periodic increases in investment. yeah me for figuring that shit out.