WUSTL c/o 2016 Applicants (2012-2013) Forum

talesofyore · Post by **talesofyore** » Fri Mar 22, 2013 10:13 pm

lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE

haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

alwayssunnyinfl · Post by **alwayssunnyinfl** » Fri Mar 22, 2013 10:16 pm

talesofyore wrote:
lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE
haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

Welcome to my Friday night. WHY CAN'T PEOPLE IN MIAMI MAKE PLANS

talesofyore · Post by **talesofyore** » Fri Mar 22, 2013 10:20 pm

alwayssunnyinfl wrote:
talesofyore wrote:
lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE
haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

Welcome to my Friday night. WHY CAN'T PEOPLE IN MIAMI MAKE PLANS

People who live in Miami don't appreciate it as much as visitors do.

Well, you'll always have TLS

JayJones78 · Post by **JayJones78** » Fri Mar 22, 2013 10:21 pm

alwayssunnyinfl wrote:
talesofyore wrote:
lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE
haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

Welcome to my Friday night. WHY CAN'T PEOPLE IN MIAMI MAKE PLANS

So many places to go. So little time

lhanvt13 · Post by **lhanvt13** » Fri Mar 22, 2013 11:20 pm

alwayssunnyinfl wrote:
talesofyore wrote:
lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE
haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

Welcome to my Friday night. WHY CAN'T PEOPLE IN MIAMI MAKE PLANS

Sororities can't make plans... party got pushed back to 12am WTF?

Presidentjlh · Post by **Presidentjlh** » Fri Mar 22, 2013 11:59 pm

Visited WUSTL today. Very impressed.

DoveBodyWash · Post by **DoveBodyWash** » Sat Mar 23, 2013 12:27 am

lhanvt13 wrote:
alwayssunnyinfl wrote:
talesofyore wrote:
lhanvt13 wrote:SAVED FROM FALLING OFF THE FIRST PAGE
haha, so exciting is my life that I got a little thrill out of the possibility of this thread falling off the first page. And you ruined that for me.

Welcome to my Friday night. WHY CAN'T PEOPLE IN MIAMI MAKE PLANS
Sororities can't make plans... party got pushed back to 12am WTF?

Bro. I feel you.

wannabelawstudent · Post by **wannabelawstudent** » Sat Mar 23, 2013 12:32 am

Hey remember when JadeWest and Xs20 said they'd liveblog and picwhore this weekend?

DoveBodyWash · Post by **DoveBodyWash** » Sat Mar 23, 2013 12:49 am

wannabelawstudent wrote:Hey remember when JadeWest and Xs20 said they'd liveblog and picwhore this weekend?

LOL

Xs20 · Post by **Xs20** » Sat Mar 23, 2013 1:11 am

LiveJournal Entry #1:

ASW kid puked all over the moot court room during the law revue musical after we all went to the sports bar. Smelled really bad. HALO EFFECT.

wannabelawstudent · Post by **wannabelawstudent** » Sat Mar 23, 2013 1:14 am

Xs20 wrote:LiveJournal Entry #1:

ASW kid puked all over the moot court room during the law revue musical after we all went to the sports bar. Smelled really bad.

Sorry that happened to ya bro. Gotta learn to hold your liquor. I'm guessing you're withdrawing now?

andy261 · Post by **andy261** » Sat Mar 23, 2013 1:17 am

Xs20 wrote:LiveJournal Entry #1:

ASW kid puked all over the moot court room during the law revue musical after we all went to the sports bar. Smelled really bad. HALO EFFECT.

lol whaaaaaaaaat. i think the halo may have been passed on to its new rightful bearer.

2012Lsatscore · Post by **2012Lsatscore** » Sat Mar 23, 2013 1:20 am

alwayssunnyinfl · Post by **alwayssunnyinfl** » Sat Mar 23, 2013 1:31 am

2012Lsatscore wrote:
Xs20 wrote:LiveJournal Entry #1:

ASW kid puked all over the moot court room during the law revue musical after we all went to the sports bar. Smelled really bad. HALO EFFECT.
People still use LiveJournal?!

...I'll be damned! I gave that up in high school.

MAC absolutely loved his emotional and profound poetry. She also really dug his dark color scheme.

wannabelawstudent · Post by **wannabelawstudent** » Sat Mar 23, 2013 3:13 am

I vote for some type of punishment for Xs20 and JadeWest for this complete blatant misadvertisement

alwayssunnyinfl · Post by **alwayssunnyinfl** » Sat Mar 23, 2013 3:14 am

wannabelawstudent wrote:I vote for some type of punishment for Xs20 and JadeWest for this complete blatant misadvertisement

TWO WEEK INTERNMENT IN OKLAHOMA

Presidentjlh · Post by **Presidentjlh** » Sat Mar 23, 2013 12:50 pm

Looking into this Wells Fargo private loan thing that might make things cheaper. Still need scholarship increase, but with that, over a 20 year term, while the overall debt is larger, the monthly payments are much smaller at around $700.

That could be bearable.

DoveBodyWash · Post by **DoveBodyWash** » Sat Mar 23, 2013 1:01 pm

Presidentjlh wrote:Looking into this Wells Fargo private loan thing that might make things cheaper. Still need scholarship increase, but with that, over a 20 year term, while the overall debt is larger, the monthly payments are much smaller at around $700.

That could be bearable.

How's the interest?

Presidentjlh · Post by **Presidentjlh** » Sat Mar 23, 2013 1:04 pm

cusenation wrote:
Presidentjlh wrote:Looking into this Wells Fargo private loan thing that might make things cheaper. Still need scholarship increase, but with that, over a 20 year term, while the overall debt is larger, the monthly payments are much smaller at around $700.

That could be bearable.
How's the interest?

5.94%. No fee. Requires a co-signer, but my parents are more than interested. Interest also can be tax-deductible.

Biggest concern isn't the overall debt, it's the monthly payments. More debt but with lighter payments is easier to take on.

lhanvt13 · Post by **lhanvt13** » Sat Mar 23, 2013 1:06 pm

Presidentjlh wrote:
cusenation wrote:
Presidentjlh wrote:Looking into this Wells Fargo private loan thing that might make things cheaper. Still need scholarship increase, but with that, over a 20 year term, while the overall debt is larger, the monthly payments are much smaller at around $700.

That could be bearable.
How's the interest?
5.94%. No fee. Requires a co-signer, but my parents are more than interested. Interest also can be tax-deductible.

Biggest concern isn't the overall debt, it's the monthly payments. More debt but with lighter payments is easier to take on.

wow that's not bad at all ?

Presidentjlh · Post by **Presidentjlh** » Sat Mar 23, 2013 1:07 pm

lhanvt13 wrote:
Presidentjlh wrote:
cusenation wrote:
Presidentjlh wrote:Looking into this Wells Fargo private loan thing that might make things cheaper. Still need scholarship increase, but with that, over a 20 year term, while the overall debt is larger, the monthly payments are much smaller at around $700.

That could be bearable.
How's the interest?
5.94%. No fee. Requires a co-signer, but my parents are more than interested. Interest also can be tax-deductible.

Biggest concern isn't the overall debt, it's the monthly payments. More debt but with lighter payments is easier to take on.
wow that's not bad at all ?

I know. Overall debt would be rough, 179k, but you only have $748 a month in payments.

lhanvt13 · Post by **lhanvt13** » Sat Mar 23, 2013 1:09 pm

I know. Overall debt would be rough, 179k, but you only have $748 a month in payments.[/quote]
--LinkRemoved--
this right ?
could I see ur calculations if you don't mind ? literally just woke up. I love weekends

edit: middle one I mean

edit2: oh shit look at the discounts on interest rates. this is intriguing and tingling my spidey senses

DoveBodyWash · Post by **DoveBodyWash** » Sat Mar 23, 2013 1:16 pm

lhanvt13 wrote: --LinkRemoved--
this right ?
could I see ur calculations if you don't mind ? literally just woke up. I love weekends

edit: middle one I mean

edit2: oh shit look at the discounts on interest rates. this is intriguing and tingling my spidey senses

That link says you don't need a co-signer. But damn... Do u think it would be a safe bet to gamble on the variable rate?

Presidentjlh · Post by **Presidentjlh** » Sat Mar 23, 2013 1:17 pm

lhanvt13 wrote:I know. Overall debt would be rough, 179k, but you only have $748 a month in payments.

--LinkRemoved--
this right ?
could I see ur calculations if you don't mind ? literally just woke up. I love weekends

edit: middle one I mean[/quote]

Yeah, sure.

Loan Balance: $105,000.00
Adjusted Loan Balance: $105,000.00
Loan Interest Rate: 5.94%
Loan Fees: 0.00%
Loan Term: 20 years
Minimum Payment: $50.00
Degree Program: Lawyer (LLB or JD)

Monthly Loan Payment: $748.62
Number of Payments: 241

Cumulative Payments: $179,670.01
Total Interest Paid: $74,670.01

http://www.finaid.org/calculators/scrip ... yments.cgi

That's if I can get my scholarship upped to 30k a year. Again, huge amount of debt, but, I could live with that, especially if one assumes their pay increases as they get more experience. I calculated the expected value of a WUSTL legal education.

137 people are in private law firms, 51 corporate from the class of 2012 out of 300 The median private-sector salary is high at 100k, so let's be more realistic, say, 80k. PI, Gov't, and clerkships are 25+33+16 = 74 out of 300. Median public is probably 50k

80k*.627 + 50k*.246 = $62460 = expected value.

JayJones78 · Post by **JayJones78** » Sat Mar 23, 2013 1:20 pm

But from everything I heard about private student loans is that that the interest can change at any given minute and spike like crazy according to the bank's wish. I don't know, I'd rather pay some more and sign on for grad plus on whatever I can't get from the reg student loans. I was told I can take on 22K, but I don't know if it's the same sum for everyone.

EDIT: plus, Suzi Orman says not to take private student loans!!!!

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