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Messages - SanchoPanzo

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51
Financial Aid / Re: Wachovia anyone?
« on: July 13, 2006, 08:56:36 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

wachovia: http://www.wachovia.com/personal/page/0,,325_496_8292_8315,00.html

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 http://www.variousbits.com/loan.php 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.

52
Where should I go next fall? / Re: Chances at HY?
« on: July 09, 2006, 04:54:44 PM »
Agreed. However, harvard does the same as yale except they take more of the interesting folk translating into a better shot for the op.

What do you mean by "interesting folk?"  The way I hear it, Harvard is decidedly more numbers-based than Yale in terms of admission decisions.

Both schools are numbers driven. Both schools will look at numbers first then look at what else you have to offer. The difference is that because of class size, after looking at the numbers cutoff, Harvard can accept many more than Yale can. Hence, an applicant with the right numbers stand a much better change at Harvard of not being excluded based on soft factors than at Yale.

53
Where should I go next fall? / Re: Chances at HY?
« on: July 07, 2006, 10:55:01 PM »
You're in very good shape at Harvard, which means something like a fifty percent shot. At Yale, you're in the right numbers range, more or less, but like everybody you'll need great soft factors and a very good writing sample.

Keep in mind that the two school use roughly the same numbers cutoffs, but Yale then selects from that group for the people who seem like they will make up the most interesting class.



Agreed. However, harvard does the same as yale except they take more of the interesting folk translating into a better shot for the op.

54
Law School Applications / Re: 3.7/177, urm...chances?
« on: July 07, 2006, 10:44:29 PM »
I call autoadmit at HYS (yes. all 3) and would advise the OP not to worry about leveraging $$ because HYS is need base only. So unless you're planning to attend N C or some other school over HYS, worrying about leverage may prove to be a waste of time.

That said, and being the risk adverse future lawyers that we are, I'd recommend you worry a little and try out the leveraging thing. I'm confident you won't need it. But what's another app or two?


55
Law School Applications / Re: LSAC# on your resume?
« on: July 06, 2006, 08:04:01 PM »
I think it's a good idea to have it on everything that you submit. 

This is correct.

56
Law School Applications / Re: Georgetown PT?
« on: July 04, 2006, 08:35:29 PM »
I'm planning to go ahead and retake in Sept. Not sure how I'm going to stay in practice, though, because I took most of the tests already.

I never did the bibles so I guess I'll go ahead and do them. missed two questions on the games on June 06 and blew the LR sections. Also didn't have a great day in RC.



I think you are in luck. The LRB should help boost your LR section. The LGB should also help with the games (hopefully you don't have to unlearn bad habits)

As for staying in practice, perhaps you can redo a PrepTest every few days or so until you are ready to study more intensively. That should keep you in practice. You could also spend some of that time studying the bibles so when it comes time for intensive studying, you can focus on PrepTests and use the bibles to diagnose the questions you get wrong.

57
Where should I go next fall? / Re: National Law School
« on: July 04, 2006, 08:24:00 PM »
Honestly, I don't see a problem. Its a law school discussion site. Everyone here is here (presumably) because they want to get into law school. The OP, whether an advertisement or representative for this alternative, is providing info on a possibility for some applicants. It doesn't matter that this may not be applicable to the vast majority of posters on the site because it may be useful to some. Many posters and lurkers might actually be happy they got this information.

Agreed. Besides, the assumption that most LSDers are high-achieving T1, T14, T6 (take your pick) destined students may not be true. At any given time, there may be more lurkers/unregistered users than the relative few that do most of the posting. As I am writing this, there are 64 registered users online (presumably some lurkers) and 83 guests.

58
Studying for the LSAT / Re: Get the Bibles in addition to NOVA?
« on: July 04, 2006, 08:07:40 PM »
Nova seems worthless to me after reviewing the reading comp.

It is a lot of over kill.  And a lot of it is understaing what the question is asking you to do. BUT U LEARN THAT with the LR bible second chapter.

The funny thing is NOVA was the first book i got. And i threw it away because i thought everything was fake in the book.

And then people online kept saying how good it is. Someone send me the reading comp part. And it is still worthless.

The only well to do well on reading comp is focus.  And the 3  questions they always ask u.

This is an interesting post. As someone who has been on this board a while, I've seen NOVA go from being a strong recommendation in the 2004-2005 cycle, to rarely mentioned in the 2005-2006 cycle and now seems to be much talked about again in the 2006-2007 cycle.

In any case, I purchased most of the prep books (including Nova, Bibles, and even Kaplan stuff). I purchased the books mostly because I was curious and fortunately had some extra $$ (something that came back to hunt me re: financial aid). My take is that the Bibles are great. I also found the Kaplan 180 book to be an excellent resource for games but only to be used as a book of practice problems.

For RC, I felt the NOVA book was useful. However, I think what's most important is to be familiar with the question types as JoeGibbsRedskins suggests AND, if you are aiming for a high score, be familiar enough to anticipate questions while reading the passages. For me, the latter came with doing way too many RC sections.

59
Studying for the LSAT / Re: Get the Bibles in addition to NOVA?
« on: July 04, 2006, 03:46:41 PM »
SO, you guys think the Bibles, Nova, and SuperPrep should be enough books? I know you can never study enough for the LSAT, but I don't want to get every prep book imaginable.

Instead of every prep book imaginable, you should be working to get every PREPTEST available. Start (and focus on) the newer ones. But don't be afraid to dip into the older tests for extra practice.

60
Law School Applications / Re: Columbia?
« on: July 04, 2006, 08:37:28 AM »
Also, expect an application fee waiver from Columbia. Unlike some schools, Columbia considers LSAT only when issueing fee waivers. If the same formula used last year is used this year, I believe you'll receive one.

oh yesh. Definitely put in a bit at H and others if interest.


When does the Columbia waiver usually come?

I don't recall when I received mine last year. Perhaps someone else does. However, I applied on October 9 so I must have received it in September or early October.

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