Attending Chapman without a sizeable scholarship is a bad return on investment. If you are willing to be a lawyer even if it means a lesser return of value on your money, then by all means attend Chapman. For all intents and purposes, Chapman is a Tier 3 school (yes it fluctuates to the 2nd tier every now and then). Your prospects from a tier 3 school will be poor unless you place at the top of your class. If you are fine with earning around 50k when you graduate and working 60+ hour weeks, then feel free to attend Chapman.
T14 schools are usually worth the risk at sticker. Some T1 schools can be worth the risk at sticker because although they are regional, they tend to place well in their region. T2 schools are questionable, and one who really wants to go into law can consider them at sticker. T3 and T4 schools will result in poor prospects unless you are at the top 10% or so of your class. Everyone intends to be at the top of their class, but most fail to do so.
If you are determined to go to law school, consider delaying it a year and raising your LSAT score. Anyone can raise their LSAT score with practice. I know people who had 150s who raise their score to the 165-175 range by actually studying for the LSAT. Raising your score will get you admissions to better schools or at the very least scholarships to some of the lesser schools. If you must go to law school now, feel free to give Chapman a shot. Just be aware that you will most likely earn something in the 50-70k range and will face student loan repayments of 1-2k/month (IBR might soften this in the short term but as your pay rises it won't).
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