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Did any of you take on a lot of debt to go to law school and regret it?

...
Upset Jew
  07/11/19
I got da racial inclusion scholarship for tuition and housin...
KamalaSexyFineCleverChocolate
  07/11/19
180 KWEEN
Upset Jew
  07/11/19
πŸ‘πŸΏπŸ‘πŸΏ
KamalaSexyFineCleverChocolate
  07/11/19
https://imgur.com/a/HxNboQu Sometimes, but I'm on PAYE so...
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
O.M.G. edit: So what %age of your paycheck do they withho...
Upset Jew
  07/11/19
Monthly Payment = (((Salary - 401K ($19K)) - (1.5 * Poverty ...
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
Dayum. Well at least you're not totally fucked(ish) so that'...
Upset Jew
  07/11/19
Kids lower the payment. Lol nowhere near an offset but it's ...
gibberish
  07/11/19
I just did the math lol. Each additional household member s...
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
Lol
nopayenogain
  07/11/19
...
Upset Jew
  07/11/19
Is it growing cause you on Paye?
KamalaSexyFineCleverChocolate
  07/11/19
lol yea. The balance goes up like $700 per month.
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
Is yo plan juss to do the 25 years and let ride?
KamalaSexyFineCleverChocolate
  07/11/19
I'm on PAYE, not REPAYE. I've got 16 years left, out of 20....
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
We need to exterminate leechers like you
.;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,
  07/11/19
Titcr
KamalaSexyFineCleverChocolate
  07/11/19
lmao
faggy retard (retired)
  07/11/19
LJL @ our system
Upset Jew
  07/11/19
100% correct and I’m in same situation. The system i...
donny (retired)
  07/11/19
After 25 yrs they just forgive it?
Upset Jew
  07/11/19
Yeah, there is a forgiveness period of 20-25 years depending...
KamalaSexyFineCleverChocolate
  07/11/19
What if you pay zero the whole time?
'''''''"'"
  07/11/19
You cant pay zero, they set a minimum based on your income t...
KamalaSexyFineCleverChocolate
  07/11/19
You can make 1.5x the poverty line or less
'''''''"'"
  07/11/19
This guy knows what's up.
,.,.,.,.,.,,.,.,.,.,..,.,
  07/11/19
Same
donny (retired)
  07/11/19
You're going to like it here
gibberish
  07/11/19
Went to a now TTT for free vs. lower T14 at sticker, Absolut...
Absolutely No Couth in SF
  07/11/19
Do you still law?
.;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,
  07/11/19
It's useful for a subset of my risk management responsibilit...
Absolutely No Couth in SF
  07/11/19
well TTT for free sounds like a pretty good deal so why not?
Upset Jew
  07/11/19
It would have possibly been the wrong decision had I wanted ...
Absolutely No Couth in SF
  07/11/19
Hmmm. Wow. What age did you pursue this at, was it like a mi...
Upset Jew
  07/11/19
Late 20's - just went from developing tech that solved chall...
Absolutely No Couth in SF
  07/11/19
Is this Syringes tp?
.;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,
  07/11/19
Trying to choose scholarship over sticker makes sense but al...
donny (retired)
  07/11/19
SUN'S UP
honiara
  07/11/19
Jesus, the loans
Why were clowns?
  07/11/19
Certainly not.
average/ordinary/typical citizen/person
  07/11/19


Poast new message in this thread



Reply Favorite

Date: July 11th, 2019 12:09 PM
Author: Upset Jew



(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38514972)



Reply Favorite

Date: July 11th, 2019 12:11 PM
Author: KamalaSexyFineCleverChocolate


I got da racial inclusion scholarship for tuition and housin, but took out dat spending money loan πŸ’²πŸ’²πŸ’²πŸ‘ΈπŸΏ πŸ’°πŸ’°πŸ™Œ

My loan big, but i be hired real quick and get 180k cause they want black queens to look good. Still haven't paid it down, but Kamala gonna give ua dem reperations.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38514984)



Reply Favorite

Date: July 11th, 2019 12:14 PM
Author: Upset Jew

180 KWEEN

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515002)



Reply Favorite

Date: July 11th, 2019 12:16 PM
Author: KamalaSexyFineCleverChocolate


πŸ‘πŸΏπŸ‘πŸΏ

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515008)



Reply Favorite

Date: July 11th, 2019 12:13 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


https://imgur.com/a/HxNboQu

Sometimes, but I'm on PAYE so YOLO!!

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38514997)



Reply Favorite

Date: July 11th, 2019 12:14 PM
Author: Upset Jew

O.M.G.

edit: So what %age of your paycheck do they withhold for paying this obscene amount?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515003)



Reply Favorite

Date: July 11th, 2019 12:21 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


Monthly Payment = (((Salary - 401K ($19K)) - (1.5 * Poverty Line)) * .1) / 12

It's like ~10%. Shit sucks, but I wouldn't be making almost $200K/yr as a poli sci shithead, so it's whatever.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515035)



Reply Favorite

Date: July 11th, 2019 12:23 PM
Author: Upset Jew

Dayum. Well at least you're not totally fucked(ish) so that's good.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515046)



Reply Favorite

Date: July 11th, 2019 12:24 PM
Author: gibberish

Kids lower the payment. Lol nowhere near an offset but it's something

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515049)



Reply Favorite

Date: July 11th, 2019 12:31 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


I just did the math lol. Each additional household member saves me $55.25/month.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515087)



Reply Favorite

Date: July 11th, 2019 12:17 PM
Author: nopayenogain

Lol

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515015)



Reply Favorite

Date: July 11th, 2019 12:18 PM
Author: Upset Jew



(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515018)



Reply Favorite

Date: July 11th, 2019 12:19 PM
Author: KamalaSexyFineCleverChocolate


Is it growing cause you on Paye?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515023)



Reply Favorite

Date: July 11th, 2019 12:21 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


lol yea. The balance goes up like $700 per month.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515040)



Reply Favorite

Date: July 11th, 2019 12:22 PM
Author: KamalaSexyFineCleverChocolate


Is yo plan juss to do the 25 years and let ride?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515042)



Reply Favorite

Date: July 11th, 2019 12:24 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


I'm on PAYE, not REPAYE. I've got 16 years left, out of 20. Balance will probably reach ~$450K, assuming no student loan forgiveness. I'm playing the long game. Student loan restructuring/forgiveness will 100% happen between today and 2035. People who scrimped and saved to pay off their onerous debts are suckers.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515050)



Reply Favorite

Date: July 11th, 2019 12:33 PM
Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,


We need to exterminate leechers like you

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515101)



Reply Favorite

Date: July 11th, 2019 12:36 PM
Author: KamalaSexyFineCleverChocolate


Titcr

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515125)



Reply Favorite

Date: July 11th, 2019 12:38 PM
Author: faggy retard (retired) (βœ…)

lmao

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515134)



Reply Favorite

Date: July 11th, 2019 12:43 PM
Author: Upset Jew

LJL @ our system

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515173)



Reply Favorite

Date: July 11th, 2019 1:04 PM
Author: donny (retired) (donny)

100% correct and I’m in same situation.

The system is totally broken and no way school should cost anywhere near what it does. Not the students fault that the government is asleep at the wheel and let schools raise tuition exponentially for no reason. What other choice do students have when professional school is literally unaffordable for literally everyone who goes even the people getting the highest paying jobs.



(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515328)



Reply Favorite

Date: July 11th, 2019 12:24 PM
Author: Upset Jew

After 25 yrs they just forgive it?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515051)



Reply Favorite

Date: July 11th, 2019 12:38 PM
Author: KamalaSexyFineCleverChocolate


Yeah, there is a forgiveness period of 20-25 years depending on specifics for IBR, Paye and RePaye. There is potentially a tax bomb, but even dat pennies on the dollar and will probably be solved soon. Also, even if your loan grows like this guy and your salary grows...you can never be charged more monthly than your original payment on your original balance.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515132)



Reply Favorite

Date: July 11th, 2019 3:18 PM
Author: '''''''"'"

What if you pay zero the whole time?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516151)



Reply Favorite

Date: July 11th, 2019 3:28 PM
Author: KamalaSexyFineCleverChocolate


You cant pay zero, they set a minimum based on your income that the guy above described

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516215)



Reply Favorite

Date: July 11th, 2019 3:38 PM
Author: '''''''"'"

You can make 1.5x the poverty line or less

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516271)



Reply Favorite

Date: July 11th, 2019 3:38 PM
Author: ,.,.,.,.,.,,.,.,.,.,..,.,


This guy knows what's up.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516277)



Reply Favorite

Date: July 11th, 2019 1:05 PM
Author: donny (retired) (donny)

Same

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515332)



Reply Favorite

Date: July 11th, 2019 12:23 PM
Author: gibberish

You're going to like it here

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515043)



Reply Favorite

Date: July 11th, 2019 12:57 PM
Author: Absolutely No Couth in SF

Went to a now TTT for free vs. lower T14 at sticker, Absolutely zero regrets, but I just went more as a break from life vs. trying to make a career in law.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515280)



Reply Favorite

Date: July 11th, 2019 12:59 PM
Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,


Do you still law?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515294)



Reply Favorite

Date: July 11th, 2019 1:33 PM
Author: Absolutely No Couth in SF

It's useful for a subset of my risk management responsibilities (e.g. GDPR/CCPA/Privacy) and I think being an attorney levels me up significantly from my professional peer group and gives me confidence to demand high comp. Like when Facebook is talking about hiring a CCO to report to Zuck, I feel like I can credibly be in that discussion if I wanted to pursue it.

I also did my 1L summer at a HYS institute so that got me networked in that world, and since I went to law school as an "adult" I became social friends with the professors people here took classes from.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515535)



Reply Favorite

Date: July 11th, 2019 1:30 PM
Author: Upset Jew

well TTT for free sounds like a pretty good deal so why not?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515516)



Reply Favorite

Date: July 11th, 2019 1:36 PM
Author: Absolutely No Couth in SF

It would have possibly been the wrong decision had I wanted to pursue a career in law; I was middling when it came to class rank for a variety of reasons and would never have succeeded in traditional OCI. For example, I didn't have that easy 3L 4.0 to boost things. I was so non-trad that I ended up working full time during the day (at the request of one of the HYS professors I became friends with) and doing my 3L full time at night as a visiting student at another TTT so those grades didn't transfer for class ranking purposes.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515557)



Reply Favorite

Date: July 11th, 2019 1:53 PM
Author: Upset Jew

Hmmm. Wow. What age did you pursue this at, was it like a midlife career change? What type of work do you do now?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515671)



Reply Favorite

Date: July 11th, 2019 3:10 PM
Author: Absolutely No Couth in SF

Late 20's - just went from developing tech that solved challenging legal and compliance problems to being a c-level in some of those areas. Many of you click "responsive" all day thanks to things I helped develop.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516122)



Reply Favorite

Date: July 11th, 2019 3:17 PM
Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,


Is this Syringes tp?

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516146)



Reply Favorite

Date: July 11th, 2019 1:11 PM
Author: donny (retired) (donny)

Trying to choose scholarship over sticker makes sense but almost doesn’t make a difference now that law school costs like 300k. It’s totslly out of whack. People who went to law school before 2007ish could pick and choose and do long repayments and pay things off reasonably because tuition was like a 1/3 of what it is now and interest rates were minuscule.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515367)



Reply Favorite

Date: July 11th, 2019 2:19 PM
Author: honiara

SUN'S UP

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38515825)



Reply Favorite

Date: July 11th, 2019 3:13 PM
Author: Why were clowns?

Jesus, the loans

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516129)



Reply Favorite

Date: July 11th, 2019 3:19 PM
Author: average/ordinary/typical citizen/person

Certainly not.

(http://www.autoadmit.com/thread.php?thread_id=4300521&forum_id=2#38516159)