Top 20% is optimistic, for NYLS and Pace, try more like top 5%. I know of only one person who has gone to NYLS for whom it was a good fit. He was attending part-time on a full-ride with a stipend, and already had a job lined up at a great government office. For people without already established connections, these schools are not worth a sticker-price investment.
The best advice someone ever gave me was "Take those opportunities that open more doors than they close, and walk away from those that close more doors than they open." It really is very true, especially in this situation.