WUSTL c/o 2016 Applicants (2012-2013)

Share Your Experiences, Read About Other Experiences. Please keep posts organized by school and expected year of graduation.
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danitt
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby danitt » Thu Mar 07, 2013 2:52 pm

kckool7 wrote:
danitt wrote:My co-signer is insisting I go to Cardozo because UVA is too expensive. I can't even process that. I refuse to. So I'm looking at middle ground schools for options.

wat.

This is what happens with people who aren't educated about the process. They think that you can go to a Tier II school and work hard, be a star and firms will come running to employ you.

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 2:52 pm

Dmini7 wrote:Also, UVA will end up around 60k more after including living expenses. Your co-signer is crazy to think giving up the national portability of UVA, and better average outcome is worth saving that 60k.

I think that's the whole problem, right?

Jay2716
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby Jay2716 » Thu Mar 07, 2013 2:52 pm

wannabelawstudent wrote:
rfar1815 wrote:I've been sitting at complete since 1/16. Applied 12/4. 169, 3.9x
Anyone else with high numbers being held? I mean, I'm 90% I'm going to Vandy, but still... This was supposed to be a safe school for me lol.

Look at last year's profiles, the only people who applied with 168+ who got waitlisted, and didn't apply super late, were people who applied to a BUNCH of schools. I'm guessing its some form of yield protection, maybe it applies to you. Especially if theres no C&F issues etc.

http://lawschoolnumbers.com/puddles13
http://lawschoolnumbers.com/BBL
http://lawschoolnumbers.com/LCG21


What is "super late"? I applied early feb and I'm afraid that's gonna come back to hurt me...

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JadeWest
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby JadeWest » Thu Mar 07, 2013 2:56 pm

can i get a clarification. what's a co-signer?

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 2:58 pm

JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.

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JayJones78
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby JayJones78 » Thu Mar 07, 2013 2:59 pm

shntn wrote:
JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.


Do you must have one for law school loans that are not private? (When you're not married)

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WokeUpInACar
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby WokeUpInACar » Thu Mar 07, 2013 3:00 pm

JayJones78 wrote:
shntn wrote:
JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.


Do you must have one for law school loans that are not private? (When you're not married)

No, Danitt is international so private loans are her only option.

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Dmini7
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby Dmini7 » Thu Mar 07, 2013 3:01 pm

JayJones78 wrote:
shntn wrote:
JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.


Do you must have one for law school loans that are not private? (When you're not married)


I think it's only international candidates that require one.
Edit:swooped :(

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 3:02 pm

Dmini7 wrote:
JayJones78 wrote:
shntn wrote:
JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.


Do you must have one for law school loans that are not private? (When you're not married)


I think it's only international candidates that require one.

Private loans in general, unless your credit is excellent. I think. And for such a large amount, they'd probably require one anyway even if you have amazing credit.

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danitt
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby danitt » Thu Mar 07, 2013 3:03 pm

WokeUpInACar wrote:No, Danitt is international so private loans are her only option.

To think I kept my credit score high all these years for nothing!

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JayJones78
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby JayJones78 » Thu Mar 07, 2013 3:03 pm

WokeUpInACar wrote:
JayJones78 wrote:
shntn wrote:
JadeWest wrote:can i get a clarification. what's a co-signer?

Someone who agrees to be responsible for repaying loans in the event that you can't.


Do you must have one for law school loans that are not private? (When you're not married)

No, Danitt is international so private loans are her only option.



Thanks!! Phewwww mild panic attack/mad google search averted.

That said, still have to pay off some past due accounts before I can get my loans. I heard that they won't approve you if you have even one delinquent account on your credit report

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alwayssunnyinfl
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby alwayssunnyinfl » Thu Mar 07, 2013 3:13 pm

danitt wrote:
WokeUpInACar wrote:No, Danitt is international so private loans are her only option.

To think I kept my credit score high all these years for nothing!

I hope you end up getting a substantially lower interest rate. That would make it worth it in the end.

6.8/7.9% is an out-fucking-rageous rate for the government to be charging students.

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DoveBodyWash
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby DoveBodyWash » Thu Mar 07, 2013 3:18 pm

alwayssunnyinfl wrote:
danitt wrote:
WokeUpInACar wrote:No, Danitt is international so private loans are her only option.

To think I kept my credit score high all these years for nothing!

I hope you end up getting a substantially lower interest rate. That would make it worth it in the end.

6.8/7.9% is an out-fucking-rageous rate for the government to be charging students.


Dat lack of assets :(

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andy261
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby andy261 » Thu Mar 07, 2013 3:23 pm

cusenation wrote:
alwayssunnyinfl wrote:
danitt wrote:
WokeUpInACar wrote:No, Danitt is international so private loans are her only option.

To think I kept my credit score high all these years for nothing!

I hope you end up getting a substantially lower interest rate. That would make it worth it in the end.

6.8/7.9% is an out-fucking-rageous rate for the government to be charging students.


Dat lack of assets :(

It is outrageous, but it exists because A. we don't have any collateral to put up like for house/car loans and B. responsible students basically end up covering some of the cost from the many irresponsible students who default.

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 3:24 pm

Let's table the debt discussion so I can pretend it doesn't exist for just a bit longer.

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Xs20
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby Xs20 » Thu Mar 07, 2013 3:28 pm

shntn wrote:Let's table the debt discussion so I can pretend it doesn't exist for just a bit longer.

Image

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 3:29 pm

It's like a drinking problem. If you don't talk about it, it doesn't really exist. THINK ABOUT IT

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alwayssunnyinfl
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby alwayssunnyinfl » Thu Mar 07, 2013 3:33 pm

andy261 wrote:It is outrageous, but it exists because A. we don't have any collateral to put up like for house/car loans and B. responsible students basically end up covering some of the cost from the many irresponsible students who default.


The government takes a loss (I think it was like 10 cents on every dollar) on student loans, but it's actually a lot more lucrative than other types of government loan programs, mostly because it's nearly impossible to escape repayment. It's going to be really interesting to see how they reform the system once repayment rates start plummeting, and whether or not they'll start differentiating between schools and degrees.

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JadeWest
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby JadeWest » Thu Mar 07, 2013 3:34 pm

last one. i swear. -->>> is it bad to have no credit?

shntn
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby shntn » Thu Mar 07, 2013 3:35 pm

JadeWest wrote:last one. i swear. -->>> is it bad to have no credit?

Of course.

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alwayssunnyinfl
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby alwayssunnyinfl » Thu Mar 07, 2013 3:35 pm

JadeWest wrote:last one. i swear. -->>> is it bad to have no credit?

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?

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JadeWest
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby JadeWest » Thu Mar 07, 2013 3:37 pm

alwayssunnyinfl wrote:
JadeWest wrote:last one. i swear. -->>> is it bad to have no credit?

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?


never.

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Xs20
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby Xs20 » Thu Mar 07, 2013 3:37 pm

JadeWest wrote:last one. i swear. -->>> is it bad to have no credit?

Design majors, amiright?

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alwayssunnyinfl
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby alwayssunnyinfl » Thu Mar 07, 2013 3:38 pm

JadeWest wrote:
alwayssunnyinfl wrote:
JadeWest wrote:last one. i swear. -->>> is it bad to have no credit?

Yes and no. For grad plus loans, you just need to not have bad credit, so you're fine. And once you graduate, your loan repayment will start building credit. Have you never had any lines of credit at all?


never.


You could try to see if a credit card company would extend credit, but unless you have a job, that's pretty difficult in this economy without having a ton of fees and shit that wouldn't make it worth it. Either find a credit card that you won't have to pay any fees or interest on if you pay down your balance every month, or don't worry about it.

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alwayssunnyinfl
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Re: Eternal, Never Off the First Page, WUSTL is the Best Thread.

Postby alwayssunnyinfl » Thu Mar 07, 2013 3:39 pm

Also, if you buy a car for law school, go used and finance like half of it. That way, you have a loan of $1-2k that you can pay down in the first six months.




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