When does FT signing bonus hit?

Asking for JPM IB in particular. Nervous that I won't have enough money in my bank account by the end of senior spring to pay for an apartment security deposit + 1 month's rent and don't want to ask my parents again for money since they've already done a lot for me. Also I know it's 10k but probably only 6.5 is going to hit our bank accounts right?

Also if I made approx 11k this summer and was taxed at like 35%-40%, how much can I get back in taxes in the spring? Getting desperate here lol