20 k youll have for 1l year, if u keep it the 20k stipulation, you would be very smart to have decided on the 20k. So pick the 20k
20k you have for 1l year, if you lose 10,000 of it, by the end of law school youll still have 40k total taken off your tuition, (better than 3 years of 12K and assuming if you get over a 3.0 your first year youll keep it there for your third and final year thsu garunteeing that last 10k for third year), so take the 20k
20k you have for 1l year, if you lose it all, then it was not smart to take the 20k...so this is the only situation where you are not smart for taking the 20k a year, and it seems to me that u need to ask urself, are you really that uncomfortable in getting at least a 3.0 gpa at this school? if you really are that scared of not maintaining a 3.0, take the garunteed money, but even if u fail to keep it all after first year, it still makes sense to take the 20. so make sure u understand this.
I would think 20k for the win.
btw, sorry for the AIM-like writing of this response.