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Messages - SanchoPanzo

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Coming from someone with a masters in engineering, I'd say that from what I've heard/read about law school, Law school will likely be more intense than my grad school experience.

Keep in mind as others have suggested that grad school experience can vary significantly. Even in my engineering department some grad students coasted along while others were hurting from work, etc. A lot depends on your thesis topic and the professor. Like law school, perhaps even more so, the professor is a big factor in the experience. Itís not uncommon to be working (teaching a class), doing research and taking classes with the same professor.

I kinda just want to find one other student; I am not so sure that the big group of 4-5 people will be as beneficial?  Not so sure though...

Yes I do. I think I'd prefer a group of 3. A "group" of 2 is a study partner and a group of 4 or 5  (for me) may turn out to be too many ppl.

Incoming 1Ls / Re: What size laptop are you getting/have?
« on: July 29, 2006, 07:57:37 PM »
The machine showed up, so I'm now typing on my beautiful new thinkpad!

Bass - did you get this thru the school? How long between order and arrival?

Incoming 1Ls / Re: laptop
« on: July 23, 2006, 07:29:36 PM »
does anyone know what "depot" in IBM's laptop warranty mean? Is this equivalent to on-site? next day? mail-in....?

Found the answer:

Depot repair: A courier will pick up your equipment and deliver it to our depot repair center. Our objective is to repair it within 12 hours of arrival, though this repair time cannot be guaranteed.  Notebook machines arriving at the depot in the morning are generally scheduled to be repaired and shipped back to you on the same day.

Incoming 1Ls / Re: laptop
« on: July 23, 2006, 04:00:29 PM »
does anyone know what "depot" in IBM's laptop warranty mean? Is this equivalent to on-site? next day? mail-in....?

Incoming 1Ls / Re: HLS
« on: July 21, 2006, 09:55:11 PM »
For laptops on HLS's ITS site, what does depot in the "depot, parts and labor" mean for warranty? Is it equivalent to on-site, next-day, mail-in...?

Financial Aid / Re: ACCESS GROUP versus T.H.E.
« on: July 19, 2006, 08:11:59 PM »
i didnt see the online app for  HLS stafford on their (THE) site...HLS didn't appear in the school list when I chose stafford..did you see it?

No I did not. However, I'd suggest you give them a call. I found them to be very responsive and helpful. More so than the other 2 or 3 lenders I contacted.

Financial Aid / Re: ACCESS GROUP versus T.H.E.
« on: July 18, 2006, 09:04:03 PM »

unfortunately they don't offer service for HLS.. grr.. another great idea shot down.. strike MEFA, T.H.E., and Access Group... I feel like an orphan

You can apply "manually". here is the response I got when I inquired

T.H.E. offers both GradPLUS and Stafford loans for students at Harvard
University Law School.  You may apply online or by phone for the
Stafford loans.  Harvard has not yet set up processing preferences for
the GradPLUS loan, so if you wish to apply for this loan type, you must
complete a paper application which can be downloaded from our website.
In both cases, you should submit the signed Master Promissory Notes to
Harvard's financial aid office once you have completed your

Incoming 1Ls / Re: HLS
« on: July 13, 2006, 07:21:42 PM »
what are you guys doing for loans anyways? i think after looking around i find T.H.E. to have the nicest deals so far, but i talked to them and apparently hls didnt set up any preferences for them so i would have to go through actual paper for gradplus through T.H.E. (i still live in korea, so that would be quite a delay) i hate dealing with paperwork and anything practical, i must admit. :/ still looking i guess

wachovia also looks good (i think one of the things i like best about the is that repayment begins 9 months after instead of 6 like most other places).. i noticed Sancho said in the finaid thread that MEFA is better overall though.. hmm.. argh.. to me it looks like wachovia is better, but i'm not actually crunching any numbers.

sea: I responded in the finaid thread. I have not applied for loans yet although I'm 99% certain I'll go with CITI(GradPLUS) and MEFA(Stafford)

Financial Aid / Re: Wachovia anyone?
« on: July 13, 2006, 06:56:36 PM »
hey SanchoPanzo, could you confirm for me that MEFA is better for our school than wachovia? i guess i'm having a hard time seeing it but i'm just eyeballing the reductions. this is probably a totally dumb question, but i was starting to get excited on wachovia until i just read your post. lol


This is correct. I found that for a 10-year payment period, MEFA is better. However, if you intend to pay your loan back in say 3 years, Wachovia appears to be the less expensive option (not necessarily better. See below). This is because whereas MEFA has interest rate rebates, Wachovia offers principal reductions.

I used the loan calculator at I logged in as guest/guest and created sea_MEFA and sea_Wachovia (you can log in to loans I added). This is what I got for the 3 loan repayment periods I used. These numbers reflect total payments.

               MEFA        Wachovia
10 years  $15185     $16043 
5 years   $13655       $13785
3 years   $13041       $12981

Now, these numbers are very similar. However, if you consider that MEFA is listed on the school website (perhaps a preferred lender?) and that once you achieve the on-time payment rebates with MEFA you never loose them, I felt MEFA was the better choice.

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