Eh, I had some free time. Here's what I calculated. I only did NYU since the budgets seems comparable (61485@NYU, 61500@CLS). Since the student budget is $22,000 more than max Stafford ($20.5K) plus your savings ($18.5K) I wasn't sure what you meant... so I decided you took the $22K extra as a PLUS.

Assumptions:

1) no financial aid grant money from them (you might get something)

2) you take the entire student budget they let you (many people find ways to take less)

3) a $1500 increase in the cost in the student budget per year (typical for tuition increases)

4) "rent + the rest" = $1,000 a month, and this doesn't change through all 3 years (your rent will probably go up as will cost of services/groceries)

5) you use the loans to pay "rent + the rest" during school

6) 1L summer you make $3000 (enough to cover rent + the rest and nothing more - I'm sure you could make more)

7) 2L summer you use the entire salary, after tax, minus $3,000 in rent, to pay down the PLUS loan (unlikely unless you're VERY good at self-control!)

8) interest rates on loans do not change (6.8 stafford, 8.5 PLUS) nor does the maximum annual amount you can take in Stafford loans (you'll get your interest rates lowered by fractions at repayment, usually like 0.25%)

NYU 1L $61485

NYU 2L $62985

NYU 3L $64485

"0L":

Savings: $18,500

Stafford Sub: $0

Stafford Unsub: $0

PLUS: $0

1L:

Savings: $0

Stafford Sub: $8,500

Stafford Unsub: $12,000

PLUS: $22,500

1L Summer:

Earned: $3,000 after tax

Rent: $3,000

no change

2L:

Stafford Sub: $8,500 old + $8,500 new = $17,000

Stafford Unsub: $12,000 old + $816 interest + $12,000 new = $24,816

PLUS: $22,500 old + $1,913 interest + $42,485 new = $66,898

2L Summer:

Earned: $20,000 after tax

Rent: $3,000

Net: $17,000

Pay down PLUS: $66,898 old - $17,000 BIGLAW = $49,898

3L:

Stafford Sub: $17,000 old + $8,500 new = $25,500

Stafford Unsub: $24,816 old + $1,687 interest + $12,000 new = $38,503

PLUS: $49,898 old + $5,686 interest + $43,985 new = $98,124

Total:

Stafford Sub: $25,500

Stafford Unsub: $38,503 + $2,618 interest = $38,421

PLUS: $98,124 + $8,341 interest = $106,465

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So you'll graduate with $170,386 in combined loans at a weighted interest of 7.86%. According to

this calculator, at 10 years that's a monthly payment of $2,055.57. At 30 years if you consolidate, that's a monthly payment of $1,234.83.