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Messages - Duner

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I think Ginatio pretty much said it all, but i also think deferrals are like everything else...each school differs. when i was looking for deferrals last year, most of the schools have you sign a contractual agreement stating you will neither apply or defer elsewhere. but, i'm sure some schools just don't care either way. one thing to be sure of is whether your schools even offer deferrals....none of the schools i liked offered them and i had to reapply.

Choosing the Right Law School / Re: advice please
« on: June 10, 2004, 06:21:52 PM »
i applied to 13 schools 2 years ago (154, 3.4). i went 0-4 t1, 2-8 t2, 1-1 t3. this past year, i was reaccepted to the 2 t2's and because of the increased competition i threw in 2 t3 safety apps...only went 1-2 this time. worse yet the t2 acceptances were clearly sympathy admits that i would never have received if it wasn't for being admitted the previous year. unless you score 160+ on he lsat it's going to be a truly uphill battle these days.

Choosing the Right Law School / Re: hastings or BU
« on: June 10, 2004, 06:03:46 PM »
personally,  i would go to hastings...far less expensive. also if you want to be a judge in cali...they have one of the highest turnouts for that kind of stuff. finally, i grew up in CT, and BU always seemed to have that safety school persona. everybody wanted to go to the other schools in boston....and applied to BU just in case. just one man's opinion though.

Choosing the Right Law School / Re: Fordham vs. Santa Clara?
« on: June 08, 2004, 06:23:28 PM »
i'm no expert, but i too looked into santa clara. having spoken to their admissions people i came away feeling that they didnt have much to offer unless you were interested in internet patent law or tax law. the nice thing about those concentrations was they boasted 125k starting salaries. but if that's not your gig....might as well go to mcgeorge, and save 80k.

personally i think it's a no brainer to go to fordham...they're both extremely expensive in high cost of living areas. however, fordham has a much better reputation nationally. i wouldn't have even heard of santa clara if it wasn't within throwing distance of me.

Studying for the LSAT / Re: LSAT, LS Apps and Taxes
« on: June 08, 2004, 01:40:28 PM »
you can't claim anything except tuition. you might be able to get away with a prep course, but i know from experience you are not allowed to claim books, laptops, etc.

Incoming 1Ls / Re: Cooley Blog
« on: June 07, 2004, 02:18:50 PM »
That's pretty cool, i think i'm going to start one too.

Law School Admissions / cali sucks
« on: June 06, 2004, 12:26:24 PM »
I always wanted to move from the east coast to that i'm here i can't wait to leave. I thought it would be sort of like a david lee roth video...instead i got cheech and chong mixed with dazed and confused!

Law School Admissions / Re: FAFSA Questions
« on: June 06, 2004, 01:16:20 AM »
The FAFSA's a double edged sword...if you liquidate your assets, you have no assets. subsequently, there goes emergency money, and there goes downpayment on a house in the future. but on the other hand they're going to expect 30% of your holdings to be put towards tuition. the best way i've found around the issue is to put your money into an ira....they can't hold a retirement or pension account against you. personally i liquidated all my accounts and bought a house a couple miles from campus...they can't hold a home against you either and it gives you great tax incentives. i agree with the above post that it doesnt make much sense to hold any high interest debt if you have the capital to pay it down.

as for your previous year's income, you're screwed. i was killed for this upcoming year because it looks like my wife and i have over 100k in income...when really its only going to be in the low 30s since she's the only one working now. my university said after classes i can go to financial aid and they'll redo our income for financial aid purposes. but realistically, it's only going to help if i want to up my loan eligibility....i'm effectively sunk trying for any need based aid or grants for my first two years of school.


Law School Admissions / Re: College (represent)!!
« on: June 04, 2004, 03:41:21 PM »
University of Connecticut, Storrs. 
B.A. History, 1999

Troy State University, Troy Al.
M.A. Public Administration, 2003

General Off-Topic Board / Re: FICO score
« on: June 04, 2004, 03:37:14 PM »
i've always used equifax...and typically that's the agency people have used to do credit checks on me ie. mortgage, credit cards, etc(coincidence, possibly). as for your score, below 650 is usually the cutoff where higher risk begins. typically 700 guarantees credit for anything. in order to get the lowest rates possible you usually need a 740-750. to be honest, i don't know anybody with a credit score below 650 so i can't give much advice. if you go to they've got pages that will tell you exactly what to do and what not to do. unfortunately, typically it takes a couple years properly managing your finances to reverse earlier trends.

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