Questbridge Scholar Financial Aid

I have a few questions about the questbridge financial aid award at Penn! any info would be really helpful :)

1. is PSIP included in the award? there's a "clinical fee" included in the award, but it's only $770 a year...

2. how do we receive some of the indirect costs? for example, the package includes Personal Expenses $2,008.00, Transportation $1,080.00, and Travel $904.00 a year. are these supposed to be sent to my bank?

3. do questbridge scholars have to set up the PennPay?

I am just really confused on how financial aid works here and would appreciate any advices/info