Showing posts with label Student Loans. Show all posts
Showing posts with label Student Loans. Show all posts

Tuesday, 10 August 2010

Further Prepping for Law School

I have been engaged in further preparing my world for the onslaught that is one L.

I have received notification of my loans. This is the first time I have had to take out loans and it is a scary process.

I am also fully engaged in covering my readings for my Intro to Law class. I have no problem reading the material, I can do that in a couple of hours a day. The problem is taking notes on it such that I have actually learned the material. It's just too huge a volume of information to get by just highlighting. I've started using OneNote, which I am loving, but note-taking in outline form is exhausting. My system is that I read the material once, highlighting important parts (which, for a lot of the reading, is every single word in ever single sentence of many sections). Then I go back and take detailed notes in outline form. It is taking forever--I have to find a better system--any suggestions out there?

Speaking of OneNote, if you haven't tried it you should. I think it is a fantastic way to organize all your notes in one place where they are easy to navigate but, more importantly, also much easier to amend, revise, edit, and expand. If you are going to use OneNote or another computer program to keep all your notes though, for god's sake, please back everything up. I am going to sign up for an online automatic backing up service that backs your harddrive up remotely over the internet on a continuous basis.

The material I am reading is really interesting. Of course, it is only the basics of law, but I am finding it so fascinating. This is helped by the fact that law is a subject that revolves around human behavior and human conduct. The hypothetical and real-life cases make it easy to connect with the material. I really love engaging mentally with the legal issues in the judgments as well, thinking along, 'Oh I agree with that' or 'That's not right!' or 'I disagree!' or, as when I read a judgment by Justice Scalia, 'Oooh, this is so persuasive... but.. must... resist agreeing!'. Also, I know it's totally juvenile, but I was reading a judgment where a woman sued a defendant over negligent acts that resulted in her husband becoming sexually impotent and it was called Cox v Haworth. Tee hee. Forgive me.

I also had the opportunity to meet two of my potential future law professors because they are friends with my in-laws and we all had dinner over at another family's house. I've realized that knowing law professors personally or semi-personally is a double-edge sword. On one hand, they're much easier to approach if you need advice or help with something. On the other hand, they are your professional contacts and you have to keep that in mind even in a personal social setting. I had been complaining to my mother-in-law about how I have a test in the first week of law school, only joking about it. But she must have mentioned it to one of the law professors, who then gave me the whole justification for why it had to be done, why we have to start school so early; she also told me in a somewhat exasperated tone (because she has probably had to deal with a lot of 1Ls panicking over this ONE credit hour, PASS/FAIL class) that the casebook is easy to read, that the exam isn't a big deal and that I should not worry so much about it.

Well, reader, I had not been worrying about it so much. I think my little joke just got misconstrued as it passed through the grapevine, and now I fear one of my future law professors thinks I've already started complaining about the workload of law school. Not the first impression I wanted to give to this lady. Am I being paranoid?

I have also requested a section transfer so I can be in the other prof's class. Is that inappropriate? Is that tacky? Is that allowed? I don't know. I just know that I will find him approachable if and when I need help in class. Plus, it puts me in the class of another law professor whom I have not met, but who sounds like a one of those law whiz kids. He's relatively young and he did several degrees at Cambridge, so we can laugh hysterically about the British and really bond and basically become best friends. I also wanted to switch sections because it would give me a more compacted schedule with no awkward 1-2hr waits between classes. More compact schedule = more study time = more time for the FABULOUS new gym on campus. I've already got my deluxe, clubhouse locker.

Oh my but this year is going to be amazing. If you're thinking these are famous last words, don't disillusion me yet.

Wednesday, 28 July 2010

Things are picking up around here, although orientation is still two and a half weeks away. I am helping The Economist move to Cowville at the end of this week, then I may spend some time in Cowville while he is in a pre-orientation math camp (hello--so elementary school). I will spend the time decorating and fitting out his new apartment and hopefully doing some studying of my own. At some point I will then come back down and start preparing for my orientation and for classes to start. Once orientation starts, all my down time will be devoted to full on study for the first week of classes, then on and on and on. Soon it will be final exams, then Christmas, then back into it.

I have picked up some materials for the first class we have to take, Intro to Law. I'm ridiculously excited to start. But I'm holding off though and just reading 1L prep books from my summer reading list (in between running errands--I've gone to Target a million times since I've been back in town). The one I'm reading now, '1L of a Ride' by Andrew J. McClurg, is quite easy reading, written in a colloquial language and giving good advice.

I also got a law school locker today, along with my locker combination (hello--so high school).

I have a little advantage in that I'm living in town, am here before most of the other students, already have my ID card, etc. so I can do things before other people can. I love how well I already know this town and the university.

I also had to submit my loan papers--I'm definitely taking out loans all three years. Tuition went up $6000 from two years ago! Thank goodness I'm an in-stater.

Tuesday, 22 June 2010

Judgment for the Plaintiff in the Amount of One Career

See previous post if you are confused about place and person names.


On the train to Edinburgh (pronounce it ed-in-brrrrrrra; roll the ‘r’).

My husband (who needs a name in this drama-tragedy, so from now on he will be called The Economist) and I are going to spend a few days in Scotland on the Isle of Skye. We have gone to Scotland every summer since we have lived in Britain (except the first, but that’s a story for another time); we absolutely love it—if I could live anywhere in the world I would live in the northern Highlands. The landscape is so beautiful, rugged and spectacular as to make you doubt your eyes. In the summer the sun stays out until 11:30 at night. It is not overly warm and you have to have clear weather to really get the full enjoyment of it, but we have always been lucky in that respect. Plus, when we come to Scotland, it is always to go walking (or hiking as we might say in the US) and the cooler weather is ideally suited for strenuous outdoor activity. We are also very fond of Edinburgh (whence came many illustrious personages including Adam Smith and J.K. Rowling). It is out of the way, calm and relaxed, unlike London, yet still very cosmopolitan.

This year, we are taking the train to Edinburgh and renting a car to drive to Skye. Our route will take us through the extraordinary region of Glen Coe, along the western coast and across to the western isles. We rented a cottage on Skye and we’ll use that as a base for walking trips during the days, augmented with time for reading and relaxation. In addition, probably a good amount of time will be spent in the local pubs watching World Cup action.

I love a long train trip dearly and I will miss these times when we’re back in the US.

Still, there are other reasons to look forward to it. Now that I have been accepted to law school, I have gone from Total Failure to ambitious go-getter overnight. I return home in semi-triumph.

I do recognise that my life is about to change in significant ways. (For one, I have to stop using British spellings for everything.) I am moving back to the town where I grew up and where I went to college. I have deeply missed it in the times when England was kicking my butt. I wanted nothing more than to get into law school at The University of Pomorum and immerse myself in law study without the distractions of a big city. Now that it has happened, I’ve discovered the truth in the adage ‘Be careful what you wish for’.

There are so many good things about this situation. I’m going to a well-regarded, 1st tier law school, paying in-state tuition. I will be living at my in-law’s house (they will not be living there during this time) so I will not be paying rent, not to mention that it is a really nice house. I will have a dishwasher (live in Britain for 4 years and you will be left in no doubt of how much a dishwasher adds to your quality of life). The combination of in-state tuition and not paying rent will mean that I will graduate with much less debt than most people and will therefore have more options when I graduate. Not to mention the amelioration of the burden of repaying the loans. I will, as I said, be able to immerse myself in the study of law without the distractions of big city life. This includes the fact that I will no longer have an outrageous commute to get anywhere—one of the prime benefits of small-town life. I will have a car (or at least access to one) which means greater independence, always a good thing. This being my hometown, I will have no learning curves when it comes to orientation. I know exactly where to go, where to shop, where to get books, where to get coffee, where to go to the gym, what traffic is like at various times of the day, and any number of other tidbits about living in a town with which my intimacy was forged in infancy. I will also know that access to the law school is hopeless on football Saturdays. I believe that my comfort with the town itself will help me get my feet under me when it comes to studying.

I used to work in the research laboratory of a very famous professor who had repeatedly been given offers from the most prestigious institutions in the country to move his lab there, but he chose to remain in my home state for more than 20 years now because he felt the other places were located in cities which would prove too distracting to his employees. I think there is a lot of sense in that notion (although his employees seemed to get up to a lot of mischief anyway). I hope that in the quiet and the calm tranquility of my hometown, I will be able to focus myself fully on school, achieving perhaps a state of one-ness with the law, absorbing the law, and otherwise learning to love the law with all my meek little heart!

Since this is my hometown and I plan to live here for a while I will also be able to work on the dreaded networking. The fact that you can be helped in your career just because of the people you know is completely distasteful and repellant to me, but apparently, as I am constantly told, it’s the way the world works. So who am I to fight it? (Secretly I’m going to destroy the system from within.)

One more thing: going home means that I can finally use all the wonderful gifts I got from my wedding four years ago which have been sitting in my in-law’s storage room, collecting dust and running out their warranties. My husband and I are the types of people who really enjoy things—not expensive things, not things that demonstrate wealth or status, but things that have sentimental value: that remind us of great trips we’ve taken or that make us think of the friends who gave them to us. Sometimes, like when we are home for Christmas, I like to just go visit my wedding things in the basement, thinking of the day when I will finally be able to use them and start making my own home. That day is coming soon!

Another benefit in my new life is that it will truly feel like life, or at least the next step, rather than a holding pattern, which is how England has felt for the last 2 years. Being a law student makes me feel like an adult—because only serious adults go the law school, right? Right?

You see, I have a 15 year plan which I will elucidate at another time. If I didn’t get into law school this year, it would have thrown my whole plan off. Disaster averted!

So you see, this situation is almost ideal and I know it is exactly what I need to do, what I should do; it is nearly the best possible outcome that was within the realm of possibility for me. But in my state of depression and longing for home, I did not give much thought to some of the downsides.

Unfortunately this does mean that I will not be living in the same place as The Economist.However, we realized some time ago that this was inevitable, considering that we only overlapped in applications on two schools, and neither of us got into either one. A lot of people have advised us that career-oriented couples often have to spend some time apart from each other, especially during grad school. We always viewed it as a last resort, and unfortunately it has come to just that. The good news is that we are only 2 hours’ drive apart which is not bad, considering that the other available option was for The Economist to stay in London and for me to be in the Midwest. We prefer this. We will both have a car and will alternate driving on the weekends. If we’re lucky one or both of us will avoid classes Friday or Monday. It is the best we can do. The Economist has applied to take a 1-bedroom apartment in Cowville, where he is doing his PhD. I am really delighted that I will have a roommate, my husband’s cousin, who is doing her MBA. She is a lovely girl I have always gotten along with and it will be nice to have a roommate.

Another negative to which I had not given much thought is the fact that my home state of Pomorum gets damn cold in the winter. Having lived in the highly temperate Britain for four winters, I’m scared I have become a real wimp about the cold. It troubles me because I am a Midwestern girl with cold, ice, snow, rain, tornadoes, humidity, thunderstorms and heat in my bones and I’m worried I’ve gone soft. I always love the bracing cold and the snow when I go home for Christmas, but I’ve only had it in small doses for the last four years. What will it be like to have months of it on end? Now that I’ll be living in a house, will I be expected to shovel snow?!!? This horrifies me, I always hated shoveling snow.

Plus, I’ve always found British winters to be much worse than Pomorum winters. In the UK, it never gets below freezing, so although it’s cold you never get snow. It’s just cold rain.Consequently, everything feels cold and clammy and wet rather than bone-chilling but dry. Plus, in the UK, you can go weeks without seeing a single ray of sunshine. Between the grey of the sky and the grey of the wet concrete, it can be pretty depressing. In Pomorum you get clear skies even in the winter with a layer of snow that reflects light all around and is, frankly, beautiful. I am counting on those sunny days to sustain me in the long cold winter months.

Another semi-con/semi-pro is the fact that we will be closer to our families. I put this in the overall con column because I am feeling wary about this at the moment. We love our families of course but we have really enjoyed our total freedom and independence these last few years. I am someone who particularly prizes liberty and independence, having seen too little of them as a child, and I am concerned what being so near family will do to my sanity.

Finally, I mentioned before that there isn’t much to distract in my hometown. Neither is there much to entertain. I will truly miss the big city arts of London: world-class museums, theatre, music, dance, etc. In my hometown, there isn’t much to do beyond going to the mall, seeing movies, going drinking and going bowling. It is a good study environment but not very exciting.Yet, I seriously doubt this will be a problem as my life will be consumed with school and little else.

So do the pros outweigh the cons in this situation?

Overall my judgment is for the plaintiff. The Isle of Skye notwithstanding, I cannot wait to begin my new life as a University of Pomorum law student.

Wednesday, 16 September 2009

If I Go to Law School in the States: Here is the Situation

I am trying to decide right now what law schools to apply to. Here is the situation: I don't have a great LSAT score so I'm taking the LSAT again this September. In about 10 days. I should probably be studying.

Anyway, I'm going to try to push up my LSAT score to make me competitive for the Top 14 schools in the States. This is because I want a 'good legal education', a concept I will have to define later (note to self). If I don't improve my LSAT score significantly, I have a difficult situation to deal with.

Here is the situation.

My Husband is a smart guy and he has done really well academically and is in many ways much smarter than me. He, like me, went to a large State University in the American Midwest on a full scholarship. He did really well and has since done post-graduate degrees at Oxbridge University (ie Oxford or Cambridge, I'm not going to say which) and is now doing a master's degree in Economics at a very highly regarded British... shall we say... school... of economics (I bet you can guess which). He wants to do his PhD directly after he finishes his master's degree this year.

Unfortunately, he married a woman who has not been as academically successful and--at least in America--would not be able to go to as good a grad school as one to which he might apply to do his PhD. There is the possibility that he and I could go to two different universities of different caliber which are in the same city or urban area. This is definitely a feasible option.

The problem with this option is that while Husband might be able to get funding, my law degree will be funded almost entirely on student loans. I have been strongly advised that before I take on $150,000 of debt to attend an expensive law school, I should consider my career goals and what I can reasonably anticipate will be my income in that career and decide how much debt I can take on accordingly. I want to be a prosecutor or possibly a public defender. Not high paying jobs. Kids do go to $50K-a-year law schools and fund it entirely on debt but afterward they often find their career options are severely limited by the fact they now have to start paying off that debt. That's okay if you can get a job in a big corporate environment or in a lucrative private practice. In light of my career goals and future earning expectations (and the fact that I am so. sick. of being poor) I think it is wise to graduate with as little debt as possible.

This means it doesn't make much sense to go to a lower caliber state law school in the same location as the Husband, particularly when I could just go to my alma mater's law school on in-state tuition for less than half the cost of out-of-state tuition at a second tier school or any of the Top 14 schools.

So my alma mater is a large State University in the Midwest with a law school that is in the Top 25. It has a good reputation and according to its statistics its gradates are working all over the country (sometimes it can be a problem that your school is not highly regarded elsewhere and you can't get a job outside your geographical region). It has a great library which I actually used for studying while on holiday during my master's degree. It is located in my Hometown, where I would have free housing and a much less expensive and much more comfortable lifestyle than a big city. I would live only 2 miles from campus and be able to bike or take a free bus. I would be nearer to family and friends. Why would anyone go to a lower-ranked state law school at twice the price when they have this great alternative?

Because I would have to be apart from my Husband. :( That's not a good thing and almost tips everything in the balance towards saying, fuck it, I'll pay the price, take on the extra debt, so that I don't have to be in a long-distance relationship with my Husband for three years.

My Husband could go to this Midwest State School to do his PhD but it would be a major step down, the Midwest State School is not great for Economics and, given his excellent academic record, he can do much better and indeed must do better than Midwest State School if he is to realise his career goal of being a college professor.

So at the moment it seems that what is best for me is to go to Midwest State School and what is best for Husband is to continue at his British Economics School for his PhD. We are at an impasse and have to weigh the issues carefully. And quickly. I should be applying for schools now and haven't even decided where to apply.