I'm taking out the maximum and then some (hopefully). Although the budget they give works for the "average" student, it doesn't take into account a lot of circumstances. For instance, although the schools I've looked at offer insurance, the insurance isn't that great. I'm guessing that insurance and medicene alone will costs about 300 a month above and beyond their "average" student budget. Of course, this is only my rough estimates for myself, but being that I can't be without insurance because of several health problems I currently have, I'm stuck paying that amount and hoping that I can get enough money to cover it.
Also, looking at the schools I've applied to, they don't take into account car payments, car insurance, credit card debt, etc that some people have to have. The budgets I've seen are really stingy - no more starbucks, much less car :-P