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Messages - lindenksv

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On the relationship note, the engagement thing really throws me off too.

haha, wait 'til you meet all of our married students.

Incoming 1Ls / Re: Best Stafford Loan Deals.
« on: June 06, 2007, 07:17:19 PM »
Academic Financial Corp gets you down to 4.8%.

Incoming 1Ls / Re: live at home or with girlfriend?
« on: June 04, 2007, 12:20:16 PM »
OP, you'll find plenty of pre-laws with similar priorities to yours. Look at the responses you've already gotten. You can't expect everyone to agree with you, but so long as there are a few, you're set.

techincally, you should have the $ b) parents will give it to you or c) credit card

a) 1/3 of Columbia students are coming straight from undergrad and haven't been working and don't have the money
b) what if your parents don't have the money? Isn't that why you get loans in the first place??
c) credit card = interest and even more money shelled out - interest that is conveniently not in the student budget and not covered by the loans we're getting.

All I'm saying is that this whole nonsense about providing talented students with an education on a need-blind basis is BS when a school knows that it's students are depending on the loans which are *technically* budgeted to include the first month's rent and deposit and they haven't been disbursed yet.

Incoming 1Ls / Re: Desperate for input!!!
« on: June 04, 2007, 11:46:27 AM »
I had a similar story. I was generally scoring 168+ on all of my practice test and I came in and scored a 163. It was awful, but I knew I could do better, so I sucked it up and retook the test again and got a 173. It is possible to improve and sometimes odd things happen that we don't expect. I was lucky that I took the test early and did not have to postpone law school for a year, but I think it's worth doing because your options become much more attractive once your LSAT goes up. Honestly, outide of T1 law schools, your son is going to have a very hard time finding a job that pays better than what he would have gotten with 3 years of work experience after a bachelors. Paying off 180k on that sort of salary is equivalent to hanging two brick around your neck for the better portion of your life. Tell your son to suck it up and retake the test.

Am I the only one who finds it absurd that Columbia makes us cough up on the order of 2k knowing full well that many of us are heavily relying on loans that don't come in until September??

I could be wrong, but you're also not losing anything by saying yes to paying interest payments while in school. It gives you the option to, but you are not under obligation to do so. So if you change your mind and don't pay or don't pay for a particular month, it has no effect on you than if you had said no from the get-go.

I went with Academic Finance Corp and for the Grad Plus and stafford loans they offered a 2% reduction as well: .25% reduction on graduation and 1.75% reduction for auto-debiting. This is way better than what you get from so-called preferred lenders, at least for my school.

3 room. Does anyone know what ATMs or bank branches are available on/near campus? I'm trying to figure out with whom to open a new checking/debit account.

Incoming 1Ls / Re: live at home or with girlfriend?
« on: June 02, 2007, 09:26:25 PM »
This is cliche, but what does your heart say? People have different opinions and approaches to these things, but my own thinking is that you shouldn't move in with someone if you ever see yourself moving out. If you're not serious about this girl (i.e. you want to marry her), then don't move in because then detangling yourself will be a nightmare and the breakup will be that much worse for the both of you. You've got to go into something like that with the mindset of "I'm going to make this work" not with the mindset of "this is convenient and appealing at the moment." I think you should put aside other "factors" such as proximity and money in making this decision because ultimately your happiness and sanity do not hinge on them.

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