My situation may not be usual in that I am in the process of completing my first year. Thus, it made sense for me to start in May 2020. For others, who do not start until September, it may make more sense to have the funding start then. Others may need extra cash when it comes to arranging for accommodation (security deposit), moving costs, etc and so may decide to start the funding in May as well. I guess just depends on your needs and when you think you'll need the funds.