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Messages - dukedogalley

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71
not very acurate, i scored a mid 150s on the lsat...my cum gpa first semester was a 3.67 on a 3.2 curve...last yr the 10% cut off was a 3.6....my school is ranked in the 65-75 range...now, i did not take a prep class nor did i study for the lsat even close to as much as a studied 1st semester so that probably has something to do with it....if you took a prep course and studied incredibly hard for the lsat and nothing out of the ordinary happened to you on test day (feeling ill, mind went blank, etc..) i think lsat might be more of a reflection as to how well you will do in law school, reason being your lsat score would reflect your ability to study material, retain it and spit it out on a test.....for the most part, if you can do that you will do well in law school.

72
Incoming 1Ls / Re: NJCLASS Private Loan
« on: June 25, 2007, 10:21:52 AM »
pretty sure theres a 2% originators fee on that. complete bs that they can take your money before you even get it. Why should you have to pay back, and pay interest on money you never got. I'd go with access or salliemae.

both access and salliemae have higher rates....and most loans have an origination fee...after doing some research it appears the njclass loan is the best option for me...

73
Financial Aid / Re: Grad Plus vs NJCLASS
« on: June 20, 2007, 01:42:11 PM »
i went to undergrad in nj and had a bunch of njclass and gradplus loans.  i don't know much about the gradplus because i didn't have much with them, and once i consolidated i didn't have to worry at all.  njclass is a private company, so consolidation with them was a pain and i eventually just decided to keep them seperated (now i have two payments, one for njclass and one for everything else).  but, they are really lenient with everything.  the rates are fixed, and if you miss a payment, and i often did, they don't bug you much at all and they won't report you.  i was six months late once because i thought i had paid but i actually hadn't, and finally somebody called me and was like 'we are going to have to report this to a creditor unless you pay, but no worries, we'll give you 6 weeks to get the money together'.  i appreciated that.  one problem i had is that they won't call until it's really late, and they don't email.  so in college when i was changing where i lived every year i missed a lot of notices.  anyway, that was more my fault than theirs.  overall i was/am pretty happy with them.

Thanks for the input, were the rates better than your gradplus loans when you took them?

anyone else have info?

74
Financial Aid / Grad Plus vs NJCLASS
« on: June 20, 2007, 10:43:08 AM »
Anyone attending school in NJ and have info on the NJCLASS loan issued by the NJ Higher Education Assistance Authority?  It is a fixed loan at 6.8% for defferred payments and 6.0% for non deffered auto-payments.  It sounds pretty good to me, but I must admit I haven't done extensive research on loan options.  Does this sound like a good deal to you?  After reading the terms of most grad plus loans the NJCLASS loan seems like a better option..am I missing something?

75
Incoming 1Ls / NJCLASS Private Loan
« on: June 18, 2007, 10:09:10 AM »

Anyone attending school in NJ and have info on the NJCLASS loan issued by the NJ Higher Education Assistance Authority?  It is a fixed loan at 6.8% for defferred payments and 6.0% for non deffered auto-payments.  It sounds pretty good to me, but I must admit I haven't done extensive research on loan options.  Does this sound like a good deal to you? 

76
Incoming 1Ls / Re: Seton Hall
« on: June 08, 2007, 11:14:18 AM »
jmart nearby areas i was looking at like 500 to 600 with 1 roommate.

Yep, approx 600 with a  roomate.

77
Incoming 1Ls / Re: Grab your future by the horns
« on: June 08, 2007, 10:24:34 AM »

I don't know what class rank you need, if you have connections, but there is no chance in hell top 50% Seton Hall would get you biglaw on your own.
[/quote]

obviously...

78
Incoming 1Ls / Re: Grab your future by the horns
« on: June 08, 2007, 06:51:20 AM »
seton hall numbers?

Seton Hall
-----------------
Total graduates: 414
Graduates known to be employed at graduation: 88.8% (this is high for a tier 2)
Starting Salaries (2005 Graduates Employed Full-time)
Private sector (25th-75th percentile): $52,000 - $95,000
Median in the private sector: $60,000 (ouch. this is awful for a NYC tier 2. Brooklyn's is almost twice this amount.)
Percent in the private sector who reported salary information: 50%
Median in public service: $35,000

Here is a blog devoted to Seton Hall's poor career prospects. http://bigdebtsmalllaw.blogspot.com . Apparently someone (Seton Hall?) asked blogspot to take it down.


I wonder why the median is so low, any ideas?  It is expensive too, I am apprehensive but I will be attending this fall.  I have some solid connects in biglaw - as long as I don't finish bottom 50% I should be OK.

Why do you think only 50% have reported income from private sector?

79
Incoming 1Ls / Re: Seton Hall
« on: June 08, 2007, 06:47:12 AM »
They underestimate cost of living?  Crap!  Give me some more loans!


Do you think it's feasable to come a few days before orientation and find a place?  Hearing all this really makes me want to check out the area and find a good place, not just take a guess and find something online.  Anyone out there have a nice place and need a roommate??

It is feadable to find a place in a few days.  Checkout the buildings in newark that are linked to the seton hall housing page. 

http://law.shu.edu/administration/student_services/housing/Housing.htm

the eleven eighty building is very nice and close to campus...you might want to look for a roomate tho!

80
Incoming 1Ls / Re: Seton Hall
« on: June 07, 2007, 11:29:20 AM »
I agree that we have to shell out the $$ if we want to be lawyers.  So $80K is about the top from Seton Hall?  That's good to know.  I was curious about realistic salaries coming out of there.  For those of you who are living in this area, are the living expenses that they figure for us pretty true to what you've seen?  What should I expect to pay for a 1 or 2 bedroom apartment?

IMO, the living expenses allocated by Seton Hall are low...you can find places for the amounts they list but it might mean living in an undesireable area or having 1 or 2 roomates.

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