Will be starting University in August, currently have about $57.2k in cash and $7k in investments. Planning to take up the interest free tuition fee and study loan, so about $11.8k per year. Opinions?

If you have approximately $57.2K in cash and $7K in investments, like you mentioned in your post, then taking up an interest-free tuition fee loan and study loan could be a great option.

Get a bond-free scholarship, avoid taking loans if necessary.

Try to get a minimal/interest-free loan from your parents / family members if possible before considering bank loan.

Start reading up any personal finance / value investing books you can find on libby.com. There's no shortcut when it comes to improving your financial literacy, though some investment course provider(s) would disagree.​​​