why does most of the maintenance loan come in when least needed?

my last term at UCL is only 7 weeks long, a lot of which will be spent revising in my room and not going out much since i'll have exams.. and yet it's the term where i get the highest amount of maintenance! i won't need that much as i'll have done most of my clubbing/drinking/eating out in the first and second terms. why the hell is it laid out like that? how can i get around it - do i just go into my overdraft and repay it in the third term?