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Messages - dcforlife

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41
Law School Applications / Re: The GW thread
« on: May 17, 2007, 11:10:39 PM »
dc......dc......dc.......dc.. ... ;)

42
Financial Aid / Re: Leftover Loans?
« on: May 16, 2007, 03:16:38 PM »
I suggest keeping it and putting it in a high yield on-line bank like ING Direct. It's good to have that extra money for emergencies like Dr. bills, car repairs, ect. What's nice about the high yield accounts is that many get a 5% return. After three years of college, you might have enough principal to use the interest to pay back your student loans.
Maybe I'm misunderstanding, but how in the world would you be making enough at 5.0% interest to "use the interest to pay" off a loan at 6.8%?

Makes perfect sense to put it in a high-yield account - let's say 5% - because then your effective interest rate is only 1.8%. But unless you match or exceed the rate of the loan, you're going to be paying the principal, the interest you made, and then some more on top of that.

43
Financial Aid / Re: GRAD PLUS Questions and Answers 2007
« on: May 07, 2007, 01:33:34 PM »
Have you pulled your credit report? A high revolving balance isn't a criterion for denial... there may be something wrong you should investigate.

When you're denied credit, you can get a free full credit report from the credit bureau which provided the information to your lender.

44
Financial Aid / Re: GRAD PLUS Questions and Answers 2007
« on: May 05, 2007, 12:35:58 PM »
Should I be concerned that Transunion won't give me a credit score because they think I'm deceased?  And that the deceased me owes $1200 on an old credit card?

So the dispute investigation I requested from Transunion is complete.  The results?  "No change."  They've concluded that I am in fact dead and owe a lot of money.  Thanks oodles for your competence, Transunion.
I hate TransUnion. I once signed up for a free 3-bureau credit monitoring service because it was free for a year, and EVERY MONTH the company called to say TransUnion was blocking the report. I called TransUnion a few times, waited on hold for hours, only to be told there was nothing wrong and they weren't holding it.

Called back up the monitoring agency, they said yes TransUnion was holding it, and that they were able to find out the reason... TransUnion had the credit report of someone ELSE who had bad credit... and at one time had lived in my apartment. Because my address and their addresses matched apparently that meant we're the same person because no one ever changes apartments. And, thus, TransUnion wouldn't do anything.

I can't believe these companies control every (or any) aspect of borrowing.

45
Financial Aid / Re: Am I supposed to do anything else?
« on: May 02, 2007, 11:11:10 AM »
I'd check with the school. I wasn't clear on the process, so I just went ahead and applied for loans in the amounts I wanted. Apparently I was supposed to wait until May 15th, but I didn't know that. It doesn't appear to have hurt anything.

46
Site Suggestions and Announcements / Ads
« on: May 01, 2007, 04:34:52 PM »
When I click on email notifications for this site, I often get taken here, but then redirected to an ads site. It's really annoying...

47
Where should I go next fall? / Re: HELP! GW (F/T), GULC (P/T), W&M
« on: April 30, 2007, 06:19:59 PM »
I'd take the job, do GULC PT, and then switch to FT if you don't want to keep the job. Might as well lower your bills while you're PT.

I really dislike Georgetown anything, but it's hard to turn down a better-ranked school.


Thanks for the reply. 2 Questions:

1. Would your analysis change if I decided not to work at all? Would that be a huge problem w/ OCI (as some claim) or would most firms not care (as other claim)?
2. Out of curiosity, what don't you like about GULC (other than the pt program)?
The students and the administration have a reputation for snobbery, elitism, and competitiveness that is well-earned (though certainly not by all). There are some good people there... a girl named Lily that used to be around here is proof enough of that. And I did meet the occasional undergrad that wasn't a tool.

One of the things the Dean at GW (Yale grad) said that rang true is that he really disliked his law school experience. There's no question that Yale (and to a lesser extent Georgetown) gives HUGE career options over GW. He probably wouldn't be the Dean @ GW if he had gone to GW, but he hated it at Yale.

I didn't make it into GULC and did at GW, so full disclosure on that - but if I'd gotten into GULC it would've been a tough choice, and I can't say what I would've chosen. Happy and second-best, or miserable and first-best? And what would my rank in either class be, miserable vs. happy? I always do really poorly in school when I'm not into it or unhappy and that counted for something for me.

But, don't misread what I've said. GULC is clearly the better school and I'm not trying to be a pro-GW anti-GULC troll in any way, just relating my personal opinions. And I'm sure there will be plenty of tools at GW as well.

---

As for the other question... I think it would be a bit strange to do PT and not be working, but I don't think it's unheard of at GULC. I don't know anyone there doing it but know someone at American who is. I would probably do SOMETHING just to put on the resume.

48
Where should I go next fall? / Re: HELP! GW (F/T), GULC (P/T), W&M
« on: April 30, 2007, 05:32:37 PM »
I'd take the job, do GULC PT, and then switch to FT if you don't want to keep the job. Might as well lower your bills while you're PT.

I really dislike Georgetown anything, but it's hard to turn down a better-ranked school.

49
Financial Aid / Re: Best Way to See Credit Score?
« on: April 30, 2007, 05:23:11 PM »
Keep in mind that credit scores are different among the three credit bureaus, and there's a secondary credit numbering system coming online (VantageScore) as well. It's worthwhile to cough up the dough for all three at least once.

50
Financial Aid / Re: GRAD PLUS Questions and Answers 2007
« on: April 30, 2007, 05:20:34 PM »
Fiancee as a cosigner should be totally fine -- they'll check her credit for the same criteria they did yours, so if she doesn't have it, you'll be OK.

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