somewhatwayward wrote:If you are barely 20, I think what you should do is take some time off, earn some $$, pay down that 100K a little, and apply in a few years with some WE under your belt....WE is good for both your application and for your legal employment prospects. Law school will still be here in two or three years when you are 22-23, and you would still be on the young end entering law school at that point. I have also heard from some people that appearing young can hurt you in your employment search, but I have a friend who looks young (but is not) and did fine, so I am not sure about that. Also, if you have amazing grades, the fact that you look young won't matter. It might come into play if you don't...just something to think about.
None of your current options sound too great to me considering you already owe so much...I mean, I guess UT is the best option, but you have a not insignificant risk of ending up in a crappy job from there. CCN gives you substantially improved odds of a good outcome compared to UT but then you'll be truly drowning in debt. Consider applying for any of those specialty scholarships NYU has that apply to you.
I would cross Michigan off the list unless they offer a big increase in money because their prospects aren't worth another 100K over UT's prospects, IMO. Also, what about other lower T!4 schools - if you haven't already, apply to them all because some of them should be throwing you some money. Penn and Northwestern place better than their ranking suggest although you would have to be okay with NYC as a backup, and your numbers should get you some money there.
If you are still in undergrad, will you be raising your grades this semester? If you could get that GPA up just a little more I think it could increase the scholarship $$$ you get in the T14. That is another reason to consider waiting. There is really no rush to get to law school for a 20-year-old.
I agree that getting Work/Life experience is a good thing, but c'mon man, OP probably wont make much of a dent on their 100k in student loans in 3/4 yrs with whatever 30k entry level gig they manage to bag.