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Messages - schoomp

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I think your graduate information is sent with the LSAC - if you send it to them.  However, it isn't used to calculate your undergraduate GPA.  For that matter (or at least this happened with me), I had taken classes after graduating at the school I graduated from and those also weren't taken into consideration of my undergraduate GPA.  Those classes were marked graduate classes (although they definitely weren't).

You probably want to send the transcripts from your graduate school to the LSAC so that the schools will see on the report that you did attend a graduate school...

Incoming 1Ls / Re: what to wear?
« on: March 30, 2004, 11:44:39 AM »
ajlynnette - i did read her post.  Business casual it is :)

However, unless I am just feeling super-productive, I think I am going to skip the makeup!

Politics and Law-Related News / Re: Rape at UC Boulder
« on: March 30, 2004, 01:32:58 AM »
I wonder if going to law school changes residency requirements?  Also, it might depend on whether you are single or whether you have a wife/husband moving here that is going to work.  I've heard the same about the residency requirements being hard to meet - but that was all for undergrad and graduate might be different?

As I've been a resident since birth (and don't plan on practicing anywhere else), I've haven't had the problem.  I'd agree with Pub. Interest Gal and definately talk to them about the residency thing :-)

Choosing the Right Law School / Re: qualifiers
« on: March 29, 2004, 09:05:57 PM »
Out of curiosity - did anyone really receive a "large" envelopes?  Both my admit letters came in thin envelopes containing a single page letter that said congratulations, give us money...

Choosing the Right Law School / Re: U. of Colo. verses U. of Denver
« on: March 29, 2004, 06:52:20 PM »
You should really like Denver.  The weather has been pretty good and it should be nice and sunny the whole time you are here :-)  If you need any ideas on things to do, let me know!

Politics and Law-Related News / Re: Rape at UC Boulder
« on: March 28, 2004, 08:55:46 PM »
When did you hear about $$?  I haven't heard anything yet and heard mostly they just gave money to out of staters... Also, have you gotten a financial aid package yet?

As far as snowboarding, with the way the snow has been this last year, I don't know if it is a plus or not :-P

I would think this would depend - does the school require you have a laptop?  If so, I would assume they would let you take out the loans for it.  If not, you can beg and maybe???

Law School Admissions / Re: Bad Credit and Attending law School
« on: March 27, 2004, 10:28:51 PM »
Have you thought about trying to get a loan now for the amount you owe on your credit cards?  You could try through your bank/credit union to get a personal loan to pay it off - this would do several things - first give you a chance to find out if you will qualify for loans later, probably be at less interest than you are paying now, make it so you only have one payment (assuming you have several cc's), and give you a positive reference with the bank (if you pay it on time all the time). Plus, assuming you have a job right now, it would probably be easier to get the loan now rather than later when you aren't working.  If you show for the next year you pay it, maybe they will overlook the lack of job later when you need another loan for school.

The other thing you probably should do is get copies of your credit reports from all three agencies - there can be a lot of difference between the three and then you know where you stand.  There is a chance when you go to get a loan, you can tell them that your credit with transworld is so-so, eqifax is great and experian is awful, etc...

Law School Admissions / Re: Bad Credit and Attending law School
« on: March 27, 2004, 06:26:21 PM »
So say I get $18,500 from Stafford and my tuition is only $10,000 I still get the remainder to use for my living expenses and stuff?? Is the money split up betewwn semesters? Like you get half one semester and the other half the next or do you get it all at one time?

I've only taken loans for grad school - not law school, however I think it works the same way...

You get a certain amount each year - if you had 18,500 in loans (which you actually get about 18000 because you have to pay a fee usually to take the loans) - your tuition is 10000 a year (5000 a semester).  They split the amount of your loan for each semester - 9000 a semester about.  the money is usually given to the school and then the school sends you a check for the balance after taking out tuition - so each semester you get 4000 a few weeks after the semester starts (typically because the school doesn't get the money till the first of the semester and it takes a little bit to get the check cut to you).

I think it is typically given out per semester as you have to be enrolled for a certain credit amount per semester to actually qualify.  If one semester you decide to take a really light load (say 1 class), then you don't qualify for the whole amount so you might not get it.  This is something you should check with the school on though.  However, more as a learn from my mistake, as I thought I was getting a certain amount one semester and I couldn't get it until the second half of the semester (the school did 2 8 week sessions a semester) because the first half I took 1 credit hour and the second 3 credit hours - because of that I couldn't actually get the loan until I was in the 3 credit class...

Law School Admissions / Re: Bad Credit and Attending law School
« on: March 27, 2004, 05:05:37 PM »
As far as I know - Stafford loans (or the other government loans) do not require a credit check.  However, there is a limit on the amount of government loans you can get and it isn't the cost of attending most law schools - going on the assumption that you don't get any scholarships, don't work the first year, and still have "normal" expenses like rent, food, clothes, etc.  To make up the difference between the government loans and the cost of living, taking out private loans is the biggest and most used option.  For private loans, you typically have a credit check and without good credit you may or may not get them.

The biggest thing that could be a problem, imo, is if you are going to still be paying off what you owe right now while going to school.  The cost of living at most schools does not figure in any kind of debt (i.e. car payments, credit card payments, loan payments, etc).  If you are making, say $500 a month in payments, that is $500 above the normal cost of living the school thinks you should live on, which is low to begin with - unless you plan on having everything paid off before you start.

My advice, would be to talk to the financial aid counselor at whatever school you are going to.  The federal loan limit (I think!!!!) is about 18,500 per year.  If you are going to a school that is around 8000 a year plus books and fees - you are looking at a budget of maybe 9000-10000 a year to live off of - roughly 1000 a month if you work during the summer.  If you have a lot of payments you are making then that could be really hard...  But, then again, if you are going to a night program, living with your parents or someone else that pays the rent, got a scholarship you could be in a much better situation.

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