OK, you may not like this post, but its not made out of malice...He works full time... is it a decent job? Is it a career? How old is he? Kids? Is he going to a T1, T2, T3/4? What does "partial scholarship" mean? What are his salary goals upon graduation?These elements all factor into the equation. My knee-jerk reaction is to not take on any debt for law school... especially if he is older, has a decent job, and is playing the bonus round hoping to level-up career-wise. He may need his current job when he gets done, its a grim employment marked for fresh JDs... especially those expecting to make more than $60K out of the gate.Also, being underwater on the home mortgage is a big factor - you do not want to get yourseld in such a financial hole that you cannot get out of it or possibly lose home. Need to think about the real possibility of coming out of law school with about $100K in debt and slim job prospects in the field. Now, not only have mortgage, but big stuent loan debt - what happens if no law job found, or one not found that pays enough to make the payments?Not trying to be a downer here, but these are real considerations and real situations many JDs find themselves in. May want to rethink the whole idea of law school... just throwing that out there. My initial questions go toward making that assessment.
Student loans and scholarships are it really other than any income you may be able to contribute. He'll be busy studying and such anyway, so you might as well put in some overtime or pick up a second job if you are able. Student loans are generally easy to get and administered through the financial aid office of his law school. They may not be as easy to repay though. best of luck!
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