You'll get the loans, even with bad credit. Access group may deny you, but lenders line up to loan law/med school students money.I would say go to Michigan. I struggled for a little while deciding between Minnesota with very little or no debt and Michigan with 100K debt. I chose Michigan and after visiting I really believe that I definatly made the right choice. When I visited the campus I got the impression that it definately wasn't a super competitive place. I think top 14 schools (especially public schools) or more relaxed because they know that they don't need to finish in the top 20% (or even in the top half) to get a good job. When I was there I also met a ton of students interested in PI law, and the school really supports it (loan forgiveness, ect). It's one fo the reasons it has such a high (relatively) percentage of students going into PI.There both good schools, but I think you'll have more doors open to you if you chose Michigan.