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Messages - BigRig

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31
Financial Aid / Amount Eligible to Borrow?
« on: June 09, 2006, 11:47:05 AM »
Will Grad Plus (or myrichuncle, etc.) allow one to borrow more than the school's estimated total costs - total aid/scholarships received? Reason being.. the school's estimate for room/board falls several hundred dollars/mo. short for me. I am about to commit to a living situation before I've secured Grad Plus loans and want to make sure I'll be able to borrow enough to cover it.

Thanks!

32
Financial Aid / Re: Deferring Payment on Current Student Loans
« on: June 05, 2006, 02:55:58 PM »
Thank you so much for your help, ladies in particular. The majority of my loans are consolidated through Sallie Mae and it appears that FSU is a school that participates in the National Student Clearinghouse's paperless deferment process, which means I won't have to do a thing for deferment (Sallie Mae is automatically notified when one registers for classes). My other loan (private and through my undergrad school) requires a formal application process, notary, etc. I believe I qualify for forbearance for Sallie Mae but will not for private loan (certain type of debt to income level is not high enough and I am employed).

On a side note, I truly hope the girl I end up with is as financially savvy as you all, I hate managing debt and try to avoid it at all costs!  Unfortunately, law school requires it. Again, thanks for the help.

33
General Off-Topic Board / Re: NBA playoffs thread
« on: June 02, 2006, 12:19:53 PM »
Alec, I truly cannot imagine a grown, straight male who actually knows anything about sports commenting as you just did. If anyone has a better block than Ben's on Shaq it'll be Alonzo. My Pistons will pummel the Heat as I would you.

34
Where should I go next fall? / Re: HOW GOOD IS FLORIDA STATE ?
« on: June 02, 2006, 11:59:52 AM »
Well Alec, I guess you're headed to the right place.. making decisions/choices/judgments solely on the basis of the something as subjective as prestige. Sure, working 80 hours/wk., slaving to the interests of a large firm only to live in a 10 x 10 studio with a few fake friends in a city that reaks, is unsafe, and full of people who'd run you over for a dollar...these qualify as prestigious. I'm happy that you've found a school, a city, and a career path that suits your needs, not to mention, it'll surely be easier for you to find employment driving a dump truck in NYC considering the stockpiles of trash to be found there.

35
Where should I go next fall? / Re: HOW GOOD IS FLORIDA STATE ?
« on: June 02, 2006, 11:08:44 AM »
Wherever one goes to school outside of the T14, employment opps. will generally be regional.  That said, I won't speak on SMU only on why FSU makes sense for me in FL and the SE.

While I agree with a lot of what has been said (save for Alec's baseless comment), I think one should also note the ABA data and the up and coming nature of FSU's younger law program. If you look at the data reported by the ABA, they suggest that UF/FSU are neck and neck; in terms of entering GPA/LSAT, employment numbers (FSU actually better), bar passage (with Feb. test included), % employed in state (all three schools around 81%), etc.  Miami is behind in most of these categories (although not by much). Miami does have the benefit of reporting higher starting salaries, however, this must be tempered with an adjustment for cost of living differences (e.g. http://www.bestplaces.net/col/?salary=100000&city1=5000&city2=8240).

Obviously, I think Florida State is really good and I can only share reasons why I will be attending.  Being from out of state (currently work in Philly), I knew I wanted to get back to the SE, find a school that's affordable, and wanted to be in a state capital (I think this is a really big benefit to any student in law school whether he/she wants to enter polics or working for the government) because of the opportunities it offers law students. I did not grow up in Florida and hence, am not really that aware of the whole Florida school rivalry situation.  I did not apply to Florida (could not imagine being in Gainsville when not an undergrad) and was accepted at both Miami and FSU.  The cost at Miami (imo) is ridiculous and unless you have a significant benefactor (I do not), I could not imagine one paying that much (exception being at a T14 school).  Sure, the city will be more fun to live and you will have better job opps in S.Fla out of the gate, but you likely will be more distracted. Also classes at Miami are bigger, traffic/parking a nightmare, which all could interfere with studies.

With FSU you are betting more on an up-and-coming school and yourself rather than paying for a name, which it's fair to say is worth something (lawyers are self-preserving and will fight to the death to give their reputation the upperhand whether it's deserved or not).  FSU's reputation has grow measurably and there are more and more students coming to FSU from out of state. As a result, I believe it's reputation and alumni base will continue to grow in step and rival that of the older, perhaps currently more established, UF and Miami schools.

At FSU, I believe I will be able to focus more on my studies (and in a rather collegial environment), worry less about finances, discover opportunities for networking, clerkships, and jobs that would not be present at the other two (save for corporate law in Miami). Taken together, FSU was clearly the top Florida school for me.
   

36
General Off-Topic Board / Re: NBA playoffs thread
« on: June 02, 2006, 10:00:35 AM »
The Heat will lose tonight so long as the officiating is fair and unbiased. Whatever the outcome, I hope it is the players who decide and not the refs calling ticky tack bs.

37
Financial Aid / Deferring Payment on Current Student Loans
« on: June 01, 2006, 04:50:30 PM »
I was wondering if anyone knew when one is able to begin deferring payments on existing student loans, per going back to law school? Also, what documentation do they need to verify that in fact one is going back to school?

Thanks!

38
Reviews, Visits, and Rankings / Re: Villanova
« on: May 18, 2006, 09:37:53 AM »
I live in West Chester, and while nice, would not recommend the commute, especially during 1L when time is so valuable and scarce.  On a side note, a problem with living in West Chester is that there is a slumlord (Zukin Realty) that arguably has a monopoly on the rental units in the Downtown Proper. Dealing with them is miserable. I live in one of the nicest units (and one of few new construction units in the downtown area) and Zukin has made what would otherwise be an awesome experience, a less than favorable one.

39
Financial Aid / Re: Grad PLUS
« on: May 01, 2006, 02:42:37 PM »
Sallie Mae Grad Plus vs. Wachovia Grad Plus? Is there a consensus on which is better?  Does interest begin accruing right away with all such programs? We know that the fed funds rate is set to pause at 5% according to latest remarks by Fed Chairman Bernanke. If growth still does not measurably slow, the fed funds rate might tick up to 5.25% to 5.5% but shouldn't go much higher. If interest rates retreat to the neutral rate (4.5%) and hover there through the medium term, are private loans going to be better for those with outstanding credit?  It seems as though after the benefits offered by Grad Plus providers (paying on time, etc.) that the diff. between Grad Plus and private is not much. Also, I don't exactly see how the Sallie Mae Grad Plus loan retreats to 7.00%.  Can anyone explain a little more?

Thanks,

Brent

40
While a different issue, it is worth noting that the highest paying jobs are not necessarily the ones will create wealth most quickly. One needs to adjust for differences in cost of living to make the list meaningful (e.g. median home price, regional tax structure, etc.). This helps to explain why an associate at an NYC firm who's making a high wage/hr. (although these hours seem deflated to me) will still likely be unhappy because cost of living is so exorbitantly high that you have nothing to show for your time (however well paid it is relative to other firms around the country).

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