Has anyone gone to a more expensive higher ranked school only to transfer to a lower ranked (and less expensive) school?
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Well, I have the option of George Mason in state w/a fellowship, which lowers my tuition to 10k a year, or Northwestern, where the tuition is like 40k a year. I'm going to Northwestern.
I don't know what your CC interest rates are right now, but the minimum payment on $20K is going to be pretty significant. How do you plan on covering it with the student budget? It seems like you'll have no choice but to get a part-time job and you'll probably have to find something non-law-related after 1L just to bring in cash to pay the credit card bills. I don't mean to be pessimistic, but with only one month to get things in order, it just seems like it's going to be very difficult for you to manage financially when school starts up.
If there is one thing they tell you on financial aid web sites, it's that you have to have your credit in order and should minimize your debt before entering LS, because there's very little financial aid can do to help you if you have poor credit or other debt outside of law school. Unless you were accepted off a waitlist, I think that a good deal of schools see financial issues as a valid reason for a deferral. Even though you say it isn't possible, I'm not sure that you're going to have a positive law school experience if you're going to be stuck working 20 hours a week trying to get enough money to pay your credit cards debt down.