Jump to content


  • Content count

  • Joined

  • Last visited

Community Reputation

53 Decent People

About Toad

  • Rank

Recent Profile Visitors

324 profile views
  1. It looks like Alberta has a very generous limit for the amount they will loan to law students. Combine that with the low tuition of Albertan schools and it is perfectly possible to attend without a LOC provided you are willing to live like a student and possibly work part-time. Most of us aren’t so lucky. The most I could get is around $6000 per semester from my provinces integrated student loan program. Meaning without additional funding I’d have to work close to full-time while attending law school just to have a chance at affording the cheaper schools. For people like me the option is get a LOC or delay law school for 3-4 years to save. Even if you don’t need a LOC it’s helpful to get one as it can provide security funds if you are ever short on cash. It can also be used to pay off your student loans with the government to lower your monthly payments when you finish school. And since it’s a LOC you only have to pay back what you use.
  2. Queen’s or UAlberta

    If you want to practice in BC, the University of Alberta is a superior option from what I understand. 1. If my memory is correct around 20% of the class at UofA are from BC (Based on what I heard in the UofA law videos on YouTube). This means that many of your classmates are future members of the BC bar. It also means many of the current members of the BC bar are UofA graduates or have worked with them. I assume this also means better OCI opportunities at UofA for BC firms, but I do not know for sure. 2. Both schools have similar reputations and "prestige" 3. Edmonton is closer to BC than Kingston is. Making it easier and cheaper to network in BC while at law school. 4. Queens is $6000 a year more expensive 5. Both are large schools with decent course selections and access to ECs
  3. Does anyone regret going to law school?

    Based on his post history it looks like he went to UofT with the intention of maximizing his chances of Bay Street, did not get a Bay Street position, and is now frustrated with the massive amount of debt he has acquired at UofT. He's also a stressed out 2L who didn't find a position yet
  4. Accepted to Alberta 2018

    I was accepted on January 15th. When I was accepted they hadn't even updated my "To Do List" to show that they had received my documents. Everything including Bear Tracks updated a few days after I received the email.
  5. Law school entry

    I do remember reading a thread on this forum regarding criminal record checks when it comes to legal employment and a significant minority of people said one was required for their position. Of course, the sample size was maybe 15 so it's obviously not representative.
  6. Law school entry

    If you're talking about law school (JD/Bachelor of Laws) then your main issue is bar admission and criminal background checks done by employers. Law schools don't run criminal background checks on applicants. If you're eligible for a pardon go for it but you'd still have to disclose it when applying for bar admission IIRC
  7. Most of this is a result of me forgetting that a poll can have multiple questions. I also think it's pretty important to have tight score ranges for the options as a score of 605 vs 694 for example can make a pretty huge difference. But yeah, we could certainly make a new thread at some point with the hopes of answering a wider range of questions. Nevertheless, I think this thread does have value in determining the lower end of credit scores required for approval especially over a few months as it accumulates more participants. --- On another note I just ran a credit check with Equifax and my score is currently 680. Transunion is apparently experiencing technical difficulties so I can't get a report from them right now, but from experience it tends to be pretty close to Equifax for me. The only issue is the score Equifax gives me is ERS 1.0 and apparently most borrowers use ERS 2.0 (the score Borrowell and a few other provide) and unfortunately for me the ERS 2.0 formula is very unfriendly towards my particular circumstances. I suspect it more heavily penalizes utilization similar to newer FICO models. I won't have an updated ERS 2.0 score until March 23rd~ when Borrowell updates. The only negative thing on my report is utilization. I'll be dropping my overall utilization another 20% during this month as well as decreasing the number of accounts holding a balance and removing my last card from the high utilization range. I'm pretty confident about applying at the beginning of April for my PSLOC which is when all my accounts will reflect the additional payments. When I get the results of my application I will provide my ERS 1.0, ERS 2.0, and Transunion score in this thread to hopefully provide some useful information to future applicants.
  8. Chances of Lschool ?

    Edit: With the new info you're in a better situation than it initially sounded. I have come back from a situation significantly worse than yours and got accepted to my first choice school early in the cycle. You want to aim higher than 3.5 for the remainder of your studies. If you only get a 3.5 for the rest of your studies you would for most schools require an LSAT score in the high 160s. Which most people simply aren't capable of achieving. Getting into law school is mostly GPA and LSAT. Nothing you do is going to have a major impact relative to your GPA and LSAT performance. Make sure you're close enough with a couple professors to get good LORs if your target schools require them and maybe participate in a meaningful EC if you're interested in it and it won't effect your studies. But at the end of the day your GPA and LSAT score should be your main priority.
  9. What does silence mean?

    Silence as of now means you didn't meet the early cutoffs for the schools. When acceptance deadlines have passed schools generally send out another wave of offers to those with the highest stats of the remaining applicants. Not hearing anything so far doesn't necessarily mean you won't get an offer anywhere. If you fail to get in anywhere this year, you may want to take a look into doing an extra year of undergraduate to improve your GPA. Your LSAT score would give you plenty of options with a better GPA. If your LSAT is really 173 you'd also be guaranteed acceptance at University of Manitoba as your index score would be 77+. Just an option to think about.
  10. Ryerson Law by 2020 - Letter of Intent

    What is Ryerson's plan to deal with the article crisis? If the number of articles stays the same as they are now and they introduce another 150 graduates into the market, then over 20% of people who graduate from Ontario law schools will fail to secure an articling position. That's a terrifying number.
  11. Comparing average GPAs between medical school and law school is not a fair comparison. For the most part, law schools create some sort of index based on GPA/LSAT and give offers of admission to those with the highest index scores until they fill up their class. Most schools don't care all that much, if at all, about ECs. The goal of the admission committees are to get students with the highest stats possible more or less. In comparison medical schools regularly shoot down students with exceptional stats. You can hop on over to a medical school equivalent of this forum and see students getting shot down from mid-rank medical schools with 3.9 GPAs and MCATs scores approximately equivalent to 170+ LSATs in terms of percentile. Despite this, most medical schools have higher admission averages in terms of stats alone for their medical students than they do for their law students. If medical schools took the law school approach to assessing applicants, the average GPAs and MCAT percentiles for medical school would absolutely blow away the average GPAs and LSAT percentiles for law schools. That's not to say law school isn't hard to get into. Receiving an acceptance at a Canadian law school essentially means a person has outperformed a comfortable majority of their undergraduate classmates in terms of GPA and outperformed 70-80% of other LSAT takers at a minimum. Not an easy feat considering you're competing with a group that is above average in intelligence in the first place.
  12. Just imagine if almost every law school required GPA/LSAT scores like the 3-4 or so most competitive law schools AND required significant, long-term, and meaningful ECs AND were less likely to use GPA adjustments like L2 or drops AND were less splitter friendly AND required a full course load AND actually cared about the courses you took AND often had difficult science courses as prerequisites AND required you go through a difficult interview process which if failed is sufficient to reject your application. If you successfully imagine the above, you'll have a pretty good understanding of the difference between the difficulty of getting accepted to medical school and law school. Note: I'm referring to Canadian law/medical schools. I'm less privy to law/medical schools in other countries.
  13. 0 credit

    Luckily Scotia appears to use Equifax so everything should be dandy
  14. It has been established that even with a good credit score that if you have collections/bankruptcies/excessive late payments on your report you will still likely have your application declined or require a cosigner. Outside of that, the credit scores required to get approved are a bit of a mystery. I've read numerous people on this forum throughout the years who've "heard" of a minimum. But there doesn't appear to actually be one that is known. Then I realized this is a forum where hundreds, if not thousands, of people have received a PSLOC throughout the years. Many of which who knew their credit score when approved. So hopefully a poll can provide some insight into the types of scores banks look for when offering a PSLOC.
  15. 0 credit

    If you have a credit card for 5 years you have a credit history. You can even have a good credit history with just one card if you always paid on time and it’s not maxed out. You can buy a credit check from Equifax/Transunion or get one for free from Borrowell to find out where you stand.