Was back home last week with some time to spare downtown, so I took a little walk and hit almost all the chartered banks. Here's the bad news, the somewhat better news, and the Oh-my-God-this-is-great-if-it-can-happen-but-I-doubt-it-will news
Scotiabank: "We don't do this, go see our competitors"
TD: "A student line of credit for such an amount would have to be backed by a soli co-signer with impeccable garantees"
Laurentian Bank: "We're a small bank, we don't take such big risks"
CIBC: We have a program for health professionals and nothing else. But I've found exactly what you need: just have your parents put up the house as garantee, and we can do it! (note: they all can do this; if the risk is 0, they will all agree to lend you at prime. Be sure to explain to everyone that what you are looking for is something without a co-signer, which will BWT cost you prime + 1%)
If any of you care, I did not ask Desjardins. I'm going to venture that they would turn me down because of mental illness (i.e. you want to go study where? and for how much? Why not study here? are you insane?).
Now for the somewhat uplifting news
RBC: the program mentioned in this thread. The website mentioned a max of 150K for certain professional programs, and law was mentioned; the problem was the "qualified Canadian institution". The nice loan officer - who had just the slightest wiff of a used car salesman, quickly offset by his obvious gayness [interesting blend] - verified with HQ and informed me that the Canadian requirement does not apply, and law schools in the US are OK. There is however a small snag. The 150K is for MDs. Lawyers are assessed according to their expected income upon graduation. Now, bear in mind this program was developed for Canadian lawyers, and the salary is that of a Canadian lawyer at graduation. This salary is 60K (CA). THIS IS NOT FLEXIBLE. I asked, really. They're not aware of the T14 median of 125K. So, based on this expected 60K, they will lend you up to 55K for the duration of your studies - not annually, but total. Prime + 1%. So this is not a permanent solution, but it helps.
And now, the lottery ticket.
BMO: My conversation with this guy lasted less than two minutes, so the info is not complete. But they are the only ones who actually said that they considered special circumstances, like the expected revenue of a US lawyer. I was told by the nice dude that he had just approved something along those lines (though he stressed it's not common), a large line of credit wihtout a co-signer. No garantees, but some hope.
So, that's the latest I have. Anyone have any clue how to deal with schools that require us to fill out the FAFSA crap?