As an update: * Apparently the rule (which branch advisors and call center borrowing team people did not know and required them to internally escalate) is that TD PSLOC access is scheduled to end on the last day of your 3L final term (which they assume to be April 30, even though this date does not come from my confirmation of enrollment submitted at the beginning of the 3L year) -- the date for termination of access to funds isn't tied to when you officially graduate nor convocation * If you want access after the assumed last day of term, you'd have to show proof that you're actively enrolled in the term and that it finishes later than April 30  * Despite the above, you can gain continued access to draw from the PSLOC during articling by providing confirmation of your articling position, which must demonstrate the exact dates of employment. Your articling offer letter is insufficient if it doesn't have exact start and end dates (thankfully my firm promptly generated a letter upon request). * To submit proof, I reccomend reaching out to the person who originally set up your PSLOC, because the branch and phone people don't know their own rules and the internal TD employee reference site doesn't specifically mention "articling" but rather post-graduate training more generally and unfamiliar employees don't understand what that includes. * You can still maintain access in the interim period between 3L and articling, even before starting articling, by providing sufficient proof of your incoming articling position (i.e., no need to wait for articling to start, you can maintain full access between 3L and articling as long as you submit the proof).  * If you don't furnish proof of articling or aren't articling/clerking, access ends on the assumed or actual end of your final 3L term (i.e., you can no longer draw from it) and the 24 month interest-only-payments grace period then begins to run, before the eventual conversion to a term loan for fixed principal+interest repayments. * My understanding is Scotiabank's PSLOC provides access to draw from the PSLOC one year beyond articling and doesn't cut off access right after 3L exams, so it may be much less hassle for new applicants. (But I had a shitty time with Scotia in the process, so this minor annoyance was still better for me).

A yesterday!  OLSAS CGpa: 3.89 LSAT: 157  Will likely be accepting my offer as it was a top choice.  Any girlies from the GTA message me if you wanna be roomies 🙂  

"But you're forgetting that I also have great reference letters and an amazing personal statement." 🤪

Yes, I believe it did!

Accepted this morning around 2 am, last school to hear back from. Discretionary applicant, 156 LSAT 3.9 L2. Will be declining as I have paid my deposit at UofA. Good luck to all of those still waiting!

There is value to reading the materials, especially if you are using the detailed table of contents over indices. But practicing is FAR more important, so make sure you are leaving yourself ample time for that. The goal of reading the materials is to simply gain a broad understanding of the chapters/sections, so don't get caught up in the weeds. If you're struggling to understand a certain chapter, move on instead of re-reading.