Hi Nor-Cal. I attend a CBE school in Sacramento. My commute is an hour each way, but I work down there, so it's not like I have to make a special trip to get to class. Even though there are two ABA schools in the Sacto area, I never seriously considered either one, despite a solid UGPA from UC. The cost isn't justifiable when you're over 40. I spent four years in the Marines after high school, then another four years in college. For most of the past two decades, I've been forging a career in insurance underwriting, and at this point, the only meaningful prospect that law school holds for me is to get the license. Sure, I'd love to go to an ABA school, and after ranking very high after my first year, I toyed with the idea of transferring to McGeorge's night program. But the cost is ridiculous. Untenable. As it is, my CBE education is expensive enough, and like you, I have a mortgage. However, if I were 20 years younger, I wouldn't hesitate to apply myself toward getting into an ABA school. But at my age and station in life, the only goal is to get the license. I'm not going to be interviewing with local law firms when I pass the bar. Passing the bar will vault me out of the realm of laymen, regardless of which school I attend. There's a lot to be said for that. Granted, I'll never run my company's legal department, but my company has numerous in-house counsel who went to state schools. If you have expertise and existing contacts in a particular field, I don't believe having an ABA degree is quite as important as it is when you're 28 and you've never done anything in life but sit in classrooms. If the only thing on your resume is your law degree, then it should be the best degree you can get. On that point, I question some of my young classmates' decision to attend a state school. They're going to be at a disadvantage when they compete for jobs. (That said, my friends in class are all currently employed college graduates representing a wide array of fields of endeavor. They don't appear to be losing any more sleep than I am about their job prospects after graduation.) The fact is, as you get older, your ROI from having an ABA degree decreases. I don't see the point in saddling myself with exorbitant student debt 20 years into my career. I have no goal or interest in working for BigLaw. None. Just get the license. Once you've done it, you can say you've done it. And whatever rights and privileges that might attach become yours to cultivate however you can.