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So u don't think I should bother w/Microsoft One Note? I really like it because of its recording feature.We use Wordperfect at the office to do merge documents with Time Matters and TIme Slips which a lot of legal offices use - the experience working with it in school will be positive for the "real world". ALso, there is a Legal Toolbar on wordperfect which sets up an outline and other features which I have yet to use.
I don't know anything about you, obviously, or what school you are going to attend, but for budget purposes, I would be VERY conservative in estimating that you will get a high-paying summer associate position after 1L. I know lots of people working, but many are 100% volunteer (even one guy at a small firm not getting paid), or working as an RA for $10/hr, a couple Public Interest jobs making about that, and only a few making $2k/week at a firm.
I don't know a LOT about the loan thing, but for at least the federal loans, I applied for all I could, then I get discretion much closer to the time of need to accept the loan, decline the loan, or accept a lesser amount.