Does Xaviers deduct its tuition for the entire calender year, which is 3 semesters,all at one go?

In that case, on a Teri loan disbursement of 25000 USD,it deducts 15000 USD[5000 USD per semester X 3 semesters], and gives the student the balance of 10000 USD, right?Does the student get his money immediately, once the disbursment comes in, or is there a waiting period involved?

My last question to the forum is-Is 10000 USD sufficient for a year for rent,food,books,medical insurance and 3 flights back home to USA?

Thanks