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Aiming to submit everything in January at this point.
170 LSAT, 2.6ish GPA
Is applying this late going to significantly hurt me? Or is that more so an issue with scholarship availability? If I don't get into a school I'm happy with I'll end up applying again at the beginning of the next cycle, but I would really prefer not having to go that route

Well just be prepared to reapply because your changes will be materially different with an app today than it would be on the first day of a cycle