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Messages - ErinKG

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11
Financial Aid / Re: For people who got a loan thru CitiAssist
« on: August 02, 2005, 01:30:58 PM »
After I sent in the signed promissory note, I received a confirmation letter a week or so later. Once you get the confirmation, you are set until the school disburses the loan checks. Some schools do this a day or two before classes start (I think) and others do it the first week of classes.

If you are unsure or a little paranoid, call them and see what they say. I'm betting that you are good to go.

Erin

12
Financial Aid / Re: money for law school
« on: August 02, 2005, 01:28:55 PM »
Even though you are white and male, you must have had some interesting experiences in life, right? Play those up on your personal statement. Talk about why you need the scholarship in your scholarship addendum. Be creative. Also, a tip about L&C - rather than focusing on trying to get them to give you more money because other schools gave you some, tell them how much you love the school. What will you bring that others might not? L&C really wants to hear how much you love the school. I have a friend that used to work in the Admissions department there and she confirmed this.

Once you get your first offer, ask for more. Tell them again how great you are, how much you love the school, that you are 100% committed to going but you just need more help, etc.

Good luck!
Erin

13
Financial Aid / Re: Received non-certified loan
« on: August 02, 2005, 01:24:46 PM »
It's at www.educationmaximizer.com

My score was probably a bit lower than yours, but my cosigners was over 700. I believe that the fee was based on his score.

Erin

14
Financial Aid / Received non-certified loan
« on: August 01, 2005, 09:01:51 PM »
I just wanted to post that I just received my $30k non-certified loan funds today from BofA. I applied a few weeks ago with a cosigner (my husband) and was approved after a few days (DH has a fraud alert on his credit reports so it slowed the process down a bit). I kind of sat on the application for a week or so and faxed it in early last week with my tuition bill and DH's paycheck. They disbursed the funds on Friday and I received the check today. Very, very fast turnaround. If you need extra money on top of your certified loans (or you need money prior to classes starting), this is definitely the way to go. I have heard horror stories about Bank One making the check out to the school, giving applicants a hard time about proof of enrollment, etc. I didn't run into any of that with BofA.

Oh, and I received the full $30k - the fees (6.5% - ouch!) are added on to the total owed.

Erin

15
I don't think you're going to find a store that sells clothes off the rack that will fit right. If I were in your situation, I would consider shopping at places like Nordstrom, Banana Republic, etc. that offer alterations or finding a good local seamstress. My friend is very tall with very long arms and has to have almost all of her clothes altered. It isn't very expensive, probably less than you would expect, and the clothes fit her perfectly.

Erin

16
General board for soon-to-be 1Ls / Re: Planning a wedding before LS
« on: July 01, 2005, 04:30:19 AM »
If you're going to spend money, may as well spend it on the party and not the ceremony!

17
General board for soon-to-be 1Ls / Re: Planning a wedding before LS
« on: July 01, 2005, 01:54:08 AM »
Last week we decided to get married and are doing it next week at the courthouse. Easy, no real planning involved and cheap. What more could you ask for?

:)

Erin

18
Financial Aid / Re: How much are you spending?
« on: July 01, 2005, 01:43:48 AM »
Our COL might be a little high - we've been living on a combined salary of over $110k/year. Our mortgage is about $1800 and, yes, we are making payments on two cars, although they should be paid off in about a year. Our financial decisions may not be understood by others, but we are comfortable with them. Like I said, we probably won't use the entire 30k, but we have it just in case. We'll roll over any unused money to next year and take out fewer loans.

19
General board for soon-to-be 1Ls / Re: Is this really worth it?
« on: June 29, 2005, 07:47:08 PM »
I'm giving up close to that as well. I wasn't going to do it initially (or I was going to go part-time), but I came to the realization that I don't enjoy what I'm doing and I don't want to continue doing it in the future. Due to loans, our lifestyle won't change a whole lot in law school, which was one of my worries. I'm able to take out loans that equal close to what I was taking home after taxes.

Do you enjoy what you are doing now? Would you be happy doing it for ten more years? Would you enjoy law more? You can't look at it 100% from a money standpoint, you need to consider quality of life and enjoyment as well.

20
Our scores are pretty much the same across the three bureaus.

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