Of course you will be able to make payments on the loan if you wanted to. You would essentially be paying off whatever balance you have accrued likely when you pay off your loan fees. You will be able to decide whether you want the fees of the loan to come out of the proceeds so if you do this you know you will have at least a balance of your total loan costs, and whatever else you have taken out of the total proceeds. For example, if you paid off your say $8,000 loan fees and you’ve also taken $13,000 for medical bills your balance due will be $21,000 so you will be able to make payments on that at any point that you would like.
If you decide to make payments, and you get to the point where you are going to be paying off the full balance of the loan, or you otherwise become able to pay off the loan and would like to do so you may pay it off without incurring any type of prepayment penalty.