Law School Discussion

Specific Groups => Canadian Law Students => Topic started by: canadia on February 04, 2005, 03:16:21 AM

Title: Financial Aid for US law schools?
Post by: canadia on February 04, 2005, 03:16:21 AM
Just wondering if anyone has been applying to US law schools on this board?  How is everyone planning to fund the absurd out-of-state tuition?  Asides from the maximum $13,000 we get from the Canadian loans, are there other resources we can tap into?  When I was an undergrad in the states, I had to take out a private loan to pay for my tuition and I'm wondering if people might know of any other resources ??

Thanks!  good luck with apps. ;D
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 04, 2005, 10:02:59 AM
honestly ... i wish i could help you.

my plan is: government loans + school loan + awards + line of credit ...  :-\
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 04, 2005, 05:10:52 PM
hey cheeks, i knoooow what you mean  :-\ so sad for us folks... 
I remember talking to you briefly before - you were the one that got accepted into Cornell yes?  are you pretty much set on a school in the US?  Anymore acceptance thus far?  I'm still looking at cornell, duke and boalt - haven't heard back from anyone else, it's driving me kinda nutz. 

Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 05, 2005, 10:32:34 AM
yeah,i've been accepted to chicago, duke and cornell ... i think one more?  anyways, yeah ... I'm leaning towards chicago right now ... but I'm still considering UofT.  I'm really not sure how i'm going to decide.  I plan on visiting all of the schools, and then making my decision based on that.
Title: Re: Financial Aid for US law schools?
Post by: LilyQ on February 06, 2005, 05:12:45 PM
Getting financial aid will definitely be tough. My friend applied to US schools in 2003 and was accepted to NYU and Cornell. She deferred her admission and worked for the year, saving money for school. A year's income is obviously not enough for the 3 years of law school, but it was a start. And she managed to get some funds through other sources. Anyhow, don't give up. There must be a way!  :P
Good luck!

Just wondering if anyone has been applying to US law schools on this board?  How is everyone planning to fund the absurd out-of-state tuition?  Asides from the maximum $13,000 we get from the Canadian loans, are there other resources we can tap into?  When I was an undergrad in the states, I had to take out a private loan to pay for my tuition and I'm wondering if people might know of any other resources ??

Thanks!  good luck with apps. ;D
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 07, 2005, 12:38:04 AM
Has anyone read Montauk's  (How to Get Into the Top Law Schools) advice on financial aid? I wonder how much of his resources apply exclusively to US citizens? 

financial aid is such a headache :( 

Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 07, 2005, 06:51:30 AM
I read it, but to be honest, i dont' remember much from the Financial aid section.  I"ll review it tonight, and get back to you.
Title: Re: Financial Aid for US law schools?
Post by: clusion on February 26, 2005, 07:05:31 PM
I think your going to have to tap into private loans.  You can try TERI Student loans my sister is on that for Med School.  OSAP Was giving her something like $165 week, which didnt' come close to her 50K/year fee.  Teri gave her 25K that covered her first year, and  she has used a few family contacts to cover the rest.

I have a buncha URL's ready for when I need to apply.  My first bet will be the Sallie Mae Law school Loan for US citizens as well as internationals.  Just go to salliemae's website and search law school loans. 

ALSO: CitiAssist Loan by CITIBANK
Nationality: U.S. Citizen, Permanent Resident Alien status or International Student

You can borrow upto 150K.  Better if you have a U.S. cosigner.  If not give it a shot. 

These are all private no subsidization.  Which means interest rates are a little over prime, they are still student loans.  But you will definetly need good credit to apply to them.  Hope thi shelps. Lot tougher for us, I am finishing my undergrad at U.S. school and because of my good grades im on a 80% scholorship.  Maybe law schools have sometihng like that for international students?? You never know worth a shot..


-Neil
Title: Re: Financial Aid for US law schools?
Post by: DarkHound on February 26, 2005, 08:16:40 PM
1 sec, what's this 13,000 loan?

Asides from the maximum $13,000 we get from the Canadian loans,
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 27, 2005, 06:07:14 AM
also, do we need to fill out the FAFSA?  Anyone...cause its due tomorrow for most schools.  ugh...
Title: Re: Financial Aid for US law schools?
Post by: Lgirl on February 27, 2005, 06:14:19 AM
I have no idea what to do about finance: how are we supposed to even get a US cosigner?
Anyway, I contacted the Boalt financial aid office and they told me to file the FAFSA so that they (Boalt) could assess my eligibility for aid. Thing is, you need a US social security number to even get past the first page of the online FAFSA form, so I can't even do that!
I emailed Boalt to tell them, so hopefully I should have some answers tomorrow.... I'll come back with them then. But they said the deadlines aren't rigid for international students anyway. They understand how hard it is for us...
Title: Re: Financial Aid for US law schools?
Post by: clusion on February 27, 2005, 07:57:49 AM
FASFA is only for US Citizens.  I tried it about 2 years ago :)  Just for the hell of it you know, hoping i'd slip by  :)

SO anyone that says fill out a FASFA must not understand what a international student is, or just some lady on the phone has no idea even where Canada is on the map (which sadly is more commen then you think). 

Sadly a lot of these private loans dont ask you what kind of student you are, and dont factor that into the loan application.  They only ask what school you are attending.  SO they consider you equivelant to someone who is a solid C Average student.  I think that sucks, if you get strait A's you have a 100 times better chance of paying back their loan.  Ah well..so hard for us Canadians to finance this US Legal education..

So what is this $13,000 we get?? Osap gives $165 week which is close to $8000 Canadian, which goes way downto like $5500 US when converted..

-Neil

Title: Re: Financial Aid for US law schools?
Post by: Lgirl on February 27, 2005, 08:00:00 AM
lots of schools apparently use the FAFSA as a way of analyzing financual need. They just use the info on the form. It's not filled in for the purpose of getting federal aid. Confusing.
Title: Re: Financial Aid for US law schools?
Post by: Sonya on February 27, 2005, 08:47:34 AM
We can't fill out the FAFSA, but we can fill out NeedAccess (www.NeedAccess.org) in order to be considered for need-based loans. At least that's what the Harvard website says; it's the only financial aid website I've seen that specifically addresses Canadian prospective students. I'm pretty sure that most schools follow the same financial aid process. The sooner you fill this thing out, the sooner you find out about your financial aid award.

Can anyone tell me more about this $13,000 in Canadian loans?
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 27, 2005, 08:51:53 AM
i filled out Needaccess but it's pretty impossible to fill out.

It keeps making reference to like "tax form 1040A line 150" yada yada yada.  So its really hard to follow.  Most of my stuff is estimates too.  Oh well.
Title: Re: Financial Aid for US law schools?
Post by: Sonya on February 27, 2005, 11:47:10 AM
I give up. NeedAccess is impossible. I'm gonna shoot e-mails to a bunch of financial aid offices and ask them if there's any other way for Canucks to get need-based aid. If I find out anything interesting, I'll let you all know.
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 27, 2005, 12:01:24 PM
I give up. NeedAccess is impossible. I'm gonna shoot e-mails to a bunch of financial aid offices and ask them if there's any other way for Canucks to get need-based aid. If I find out anything interesting, I'll let you all know.

yeah...you know what i did.  Since the deadline is tomorrow, i filled it out the best i could, and then wrote at the end that I really had no idea what's going on.

I gave them my income and assets/liabilities and employment (and same for my parents).  that's about it.
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 27, 2005, 05:51:12 PM
Oh wow - didn't know that this thread had so many replies.  LSD didn't put it in my unread replies file until today - sorry for not responding!

the 13,000 loans is the maximum amount that canadian and provincial government give out to graduate students studying outside of BC.  The UG max amount is 10,000 and that's what I used to get each year while I was studying at Berkeley.  My bf. went to chiropractic graduate school also in the States and he was granted the max. amount of 13,000 and so I'm deducing that grad students get roughly around 2000 more than UG students. 

this is just based on personal experinece, no idea if laws have changed since then (about 2 years ago).  hth. 

and as for FAFSA, international students do have to fill it out for some schools - I've actually called and asked.  Like someone before already said - law schools use it to gauge financial need even if the US government sees our canadian status and tosses our apps into the paper shredder  :-\
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 27, 2005, 05:56:59 PM
yeah, but how do we get the PIN?  they won't give it to you, without a SSN...
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 28, 2005, 08:47:32 AM
is that right?? 

hmm.. i didn't have that problem since I had a US SSN :(  maybe u should contact law schools to find out?  Really, the system is absurd.  sorry can't be of more help. 
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 28, 2005, 10:01:18 AM
I'm working on FAFSA right now, and it just occurred to me, you don't necessarily need the PIN in order to fill it out.  I think the PIN is more like an electronic signature whereas you also have the option of printing out an actual form, signing it and faxing it in or something.  I"m not sure... but here's the link, if anyone wants to take a look.

http://www.fafsa.ed.gov/FOTWWebApp/complete013.jsp
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 28, 2005, 10:34:29 AM
thanks,

i just filled it out, but i'm still thoroughly confused.  oh well.
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 28, 2005, 10:45:44 AM
tell me about it. 

if i didn't understand it - I put in a zero.  hahah ..  it's so messed up.
Title: Re: Financial Aid for US law schools?
Post by: canadia on February 28, 2005, 10:50:45 AM
hey cheeks - when u filled out your fafsa and were looking up school codes, did you notice how some schools had the letter E in front of them and some didn't?  AM i totally missing something or do some schools have a specific code for the law schools while other schools (ie: NYU and Berkeley) have only a general code for the university?
Title: Re: Financial Aid for US law schools?
Post by: Cheeks on February 28, 2005, 11:00:54 AM
yeah, some don't have an E (Cornell maybe ???)