Off Penn WL... Forum

[Penn16]

OP is the same OP from this thread: http://www.top-law-schools.com/forums/v ... 1&t=231395
wherein we spend a good chunk of five pages discussing penn at sticker
idk why we're relitigating this thing

op is the literal definition of someone who should retake. he's a a) k-jd, b) heavy reverse-splitter who has stated that he's c) uninterested in biglaw, and is now d) facing sticker even though he is e) eligible to retake f) the test he underprepared for.

jesus i want to say what i really think about you penn16 but i know the mods will ban me

Well aren't you just a charming, illiterate fellow, just like BigZuck. Let's try something. To help you out a bit, I'll once again repeat what I said earlier, word for word, but this time with the important parts in bold: "If retaking and waiting can get an 0L into a school with strong biglaw placement and a scholarship large enough to counterbalance the lost post-biglaw earning potential, then they should retake and wait. That simple." Alright, now give that a shot and have a good night.

you've literally spent the entire page downplaying the financial burden of sticker and talking out of your ass about opportunity costs, then you point out your qualified and half-hearted endorsement of retaking and pretend like that was your point all along
1) you're a retard
2) see #1
Alright, now give that a shot and have a good night.

Oh damn, I was really hoping I wasn't a retard. Oh well, I guess I just shouldn't have downplayed the financial burden of sticker by saying it is very onerous and scary and by giving an example of how cash flow would work in those first few years out of law school in biglaw using very close to actual numbers. And I guess I shouldn't have talked out of my ass by having the audacity to ask this anonymous collective of internet strangers who like to declare adamantly that they know what's best for people they don't know and in whose success they have no vested interest, whether the TLS-endorsed expectation that one will get 150K in scholarship by retaking is really a reasonable one.

Aside from petty insults and complete misrepresentations, you've managed to add absolutely nothing to the discussion, which makes me shudder to think what infinite wisdom you must have bestowed upon the world in the other 1,500+ posts you've somehow had the time to write on this site. So congrats, you've done a great job demonstrating the asshole side of Penn people to prospective students who read this and all to prove that you have too much time on your hands to troll others.

[cron1834]

Jesus, wtf/lol at paying fucking STICKER at Penn with a 4.09/low-160. How is that even possible? Half a dozen questions on a stupid multiple choice test will mean hundreds of thousands of dollars over the lifetime of one's debt. This is shameful.

Penn16, you really went out of your way to suggest that this could be a reasonable decision ... it really, really can't for a 4.09/low-160 22 y.o. It just can't. IT IS black and white. That's why you got so much heat here.

[03152016]

.

[cron1834]

just stop, you're embarrassing yourself
i've already given op ample advice about his situation in the follow-up thread, posting in depth about my own experiences (which were very similar to his). i advised him on retake strategies (as a 179 scorer and experienced lsat tutor) and gave him encouragement that he could improve. i've given him advice on negotiating deposit deadlines. i've communicated with him about his situation over private message.
in other words, i've spent a good chunk of my time trying to help this person make reasonable and informed decisions about his future, only to see your retarded ass come bouncing in from stickerville telling him he can borrow $250k in good conscience bc IBR
think about it for a moment (i know you haven't)
even assuming he doesn't strike out, even assuming he doesn't get no-offered/cold-offered, even assuming he's getting paid nyc market, even assuming he doesn't burn out in a year, even assuming he doesn't get pushed out before he can make an exit, coreaves doesn't want biglaw, and the level of debt you're advocating ties a biglaw anchor around his neck
jesus, this is someone's actual life you're messing with, does that mean anything to you?
you are such a shitty person

[Onomatopoeia]

U lose this game that is life w.o superior Lsat score. Hth

[03152016]

let's say coreaves worked biglaw making $160k, so $96k after tax in nyc
lets say he makes $50k now, so $35k in nyc
working biglaw, he will have expenses he may not have now, like wardrobe/dry cleaning, an apartment closer to the office, wanting to not live like a grad student while working 70 hours a week, etc. i'll be extremely generous and calculate that at only $12k/year
so a $49k difference

while prepping inefficiently and using only half the lsat material available, he managed to PT in the high 160s (165-169)
given that fact, i say that with proper, thorough prep he gets into the 170s
but let's say he doesn't. i'll again be generous and say he only ends up at the top of his current range, so a 169

with a 4.09/169, coreaves will get $90k at UVA

$30,000 plus loan 1L
$1,286 fees
$36,146 principle+interest at graduation
$37,432 total

$30,000 plus loan 2L
$1,286 fees
$33,969 principle+interest at graduation
$35,255 total

$30,000 plus loan 3L
$1,286 fees
$31,923 principle+interest at graduation
$33,209 at total

$105,896 at graduation
interest accumulated during six month deferment period - $3,394
$109,290 at repayment

total value of the $90k award after last debt payment on a ten year repayment schedule - $148,320

$148,320 > $49,000

(now if he does make it into the 170s, just imagine the total value of a $150,000 award...)

[03152016]

or, as you suggested, he could do ibr, be in debt forever, still end up paying $3xx,000 plus a nice tax bomb