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Jgweebz

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  1. I echo this sentiment. I graduated with a similar amount of debt as you and also struggled with it mentally. I felt like it was all I ever thought about. Once my partner and I really took control of our finances and made a plan, the mental toll subsided. We opted to pay the minimum to have it paid off in 10 years or less (we will have her OSAP paid off in a few years and her small LOC paid off this year) while saving for a down payment + emergency. I think we've made the right decision because while that amount of debt was initially just an insane amount of money to owe, it's now just something we deal with monthly and ignore. I think my mentality was still as a broke student so that debt and those payments seemed astronomical. Once our pay cheques as professionals came rolling in, and I took a look at our obligations, it was doable. Our student loan debts are combined around $2100/mth but our take home is still enough to afford a nice place in Toronto while saving and living comfortably. I just look at it like this: we make $2000 less than we should and that's still a decent income. Looking at the debt hurts my soul but also looking at the cushion of cash we have now feels good. It works for us but I totally understand those that want to pay off the debt right away. No matter what you choose, just take control and make a plan!
  2. I'm at a small boutique in Toronto (5-10 lawyers) and the firm pays bar fees, LAWPRO, CPD, and memberships.
  3. Also work in IP litigation and it gets pretty quiet by around 7 as well. I think your schedule is very reasonable. So reasonable that I might adopt a similar one in the future (Currently one of those colleagues at other firms - I get in around 9am and stay later).
  4. The law school curriculum is awful and it is in need of major reform. I've paid over $60k for mediocre teaching and training. It's the attitude of the law school administration and professors that is unfortunate and disappointing. I don't think you will find a single 3L that thinks it's any thing but a breeze. Edit: I should clarify my experience is reflective of Western. I don't know about other schools.
  5. 3.2 cGPA/L2/B2 here and got into Western, Windsor, and Ottawa with a 164 LSAT. A few of my friends here at Western also have similar cGPAs. This is all personal experience and anecdotal so I obviously can't tell you what to aim for LSAT wise. Also my friends, you and I all have different backgrounds and ECs so it's hard to really know what is a good LSAT score for you. I applied with the 164 because it was 90th percentile and felt confident there. The effort in going higher wasn't worth the reward to me (ie. studying my ass off again to pull off a 167 would only marginally move my LSAT percentile). Conversely, going 3pts from 161 to 164 would be a huge jump. Regarding the LSAT prep courses – yes, I think they are worth it. Consider it an investment into your future. And $500 is a drop in the bucket of what your legal education will cost in the long run. There is tons of advice regarding the LSAT in the other forum so look there for further advice on the LSAT.
  6. 1L was a busy year adjusting but not difficult per se. Definitely easier than undergrad for me (STEM) but I found my undergrad difficult because of the mandatory workload. Whether it was assignments, lab reports, or midterms, I was just always busy. And exams were a lot more difficult since they were closed book. 2L and 3L are super laid back (minus moots). It's almost a joke tbh ... With a good summary you can skip every class and readings but do just fine. Most people in class are there to creep reddit and post memes to FB while somehow absorbing what is being said into some dark corner of their memory. And regarding the essay length, you'll adjust and be able to write those longer papers. It just comes naturally and isn't something to worry about. When the pressure is on, you'll get it done. Plus, the longer papers are usually on topics of your choosing so choose something with a lot of legal research to write about.
  7. Don't let the streams factor into your school choice. And just to be clear, streams at Western mean nothing but Areas of Concentration (Business and IP) have been approved by senate and will appear on your transcript. It's more of a marketing tool for the school, yourself, and possibly a networking tool in years to come when there's more graduates with the designation.
  8. I did not plan on selling it to a Western student if one became interested. Graham taught me better...
  9. Bankruptcy $60 - Duggan, Ben-Ishai, Sarra, Telfer & Wood, Canadian Bankruptcy and Insolvency Law, 3rd ed (Emond Montgomery, 2015) Commercial $60 - Ziegel and Duggan, Secured Transactions in Personal Property and Suretyships: Cases, Texts and Materials, 6th ed (Emond Montgomery, 2013) Ethics $60 - Graham, Legal Ethics: Theories, Cases, and Professional Regulation, 3rd ed (Emond Montgomery, 2014) Evidence $60 - Stewart, Berger, Murphy, Cunliffe, Penney, Evidence: A Canadian Casebook, 4th ed (Emond Montgomery, 2016) Civ Pro $60 - Watson & McGowan, Ontario Civil Practice 2017 (Thomson Reuters, 2017) + Ontario Civil Practice 2017 (Thomson Reuters, 2017) Any two for $100 and $10 off for each additional book purchased after two. Located in Toronto or London. PM for more details. PS. Commercial and Bankruptcy are Fall term courses at Western so if you plan on taking them next year consider purchasing them now at a discounted rate.
  10. Short answer as someone graduating with more debt than that. It scares the shit out of me. All the time. However, I realised I just needed to start planning now. I've already made spreadsheets tracking debt repayment month by month for years post graduation using a range of salaries. The bad news, if I were to pay off my debt in 5 years then my $100k salary would be the equivalent of <$42k after taxes and debt payment. The good news, after 5 years I will be debt free and have, what I hope to be, great income. Other things to consider: -Putting most (maybe all) of your article salary into your debt if the SO can continue to support you. It will be interest free during this time. -Tax credits from tuition and textbook amounts could result in hefty tax returns which can be dumped into debt. -Bursaries and OSAP's OSOG which caps the debt to $7k/year.
  11. Yeah, I don't really disagree with you but I was just rebutting your assertion on the % :). And not sure on school policy so I won't be sharing the data. It's nothing too exciting anyways.
  12. Grade distributions are posted online at Western. I did some quick math on the reported upper year courses for the 2017 Spring Semester since it is the most recent report. There were 1117 marks given out which included 59 A's and 11 A+'s. Overall, that means that A's are at about 5% and A+ are at about 1%. This data excludes moots since those marks are not included in the distribution report. And for what it's worth, 4 of the A+ are all from one course (Civ Pro taught by practitioners).
  13. All you need is one offer though :). Speak with students who worked at those firms and learn everything you can about the work they do there. For instance, work with certain clients (if it's public, careful here) or how involved students are. Use that information to demonstrate interest in the firm. Having more than just general knowledge goes a LONG way. Also make sure you send an e-mail to your top choice near the end of in-firm week and be explicit. "I had a great time, if you make me an offer I would gladly move forward". Best of luck!
  14. And wouldn't a 3.12 GPA be a B/B+? Not a C as you mention...
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