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Chemistry124

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  1. I got pretty different information than you from my meetings with advisors and also managed to secure exceptions to loan limits and rates after negotiating with my chosen bank. RBC: RBC lends to out-of-country law schools. Max of 125k at 2.75% plus prime. Will not start application until the applicant has fully committed to the school with proof of enrolment in classes. Need co-signor for out-of-country. Because of this noncompetitive rate, I didn't bother to explore this option more. Will deduct government loans. TD: TD lends to out-of-country law schools. However, your law school must be within its list that the advisor will see (on its electronic application page) when applying for a PSLOC. Will start application with offer letter. A cap of 125k at prime rate, same as domestic. Did not get an exception to the loan limit. However, I have it on good authority that TD will make exceptions for a tiny handful of schools (think HYS). Need co-signor for out-of-country. Will not deduct government loans assuming your PSLOC gets approved and activated first. If not, your government loan may impact your debt-to-income ratio. BMO: BMO lends to out-of-country law schools. Will consider the schools on a per-case basis. Will start application with offer letter. A "normal" cap of 80k at prime + 0.5%. However, it does give exceptions on a per-case basis. I managed to get 150k at prime. Need co-signor for out-of-country or domestic applicants that want to exceed the usual limits. Will not deduct government loans assuming your PSLOC gets approved and activated first. If not, your government loan may impact your debt-to-income ratio. CIBC: CIBC lends to out-of-country law schools. Will consider the schools on a per-case basis. Will start application with offer letter. I forgot the usual limit and rate at CIBC but it's very similar to the other banks. Will make loan limit exceptions and rates. This is much easier to get if you are an existing CIBC client (received info from another applicant). Need co-signor for out-of-country. Scotia: Scotia no longer lends to out-of-country law schools except for the Windsor dual program and Harvard LLM programs.
  2. Search NCA. You'll need to convert your degree into equivalence with Canadian ones.
  3. With the uncertainty of NAFTA and its TN status, does anyone think that the yield will be higher this year?
  4. Guess that's it for the second round...
  5. You do get flooded with crappy schools, but T-14 and such also give out waivers occasionally.
  6. Obscene debt loads + long ass hours = net worth of $0 in your 30s.
  7. Yes, I definitely would not start out in a non-US satellite office. But looking at the profiles of these foreign legal consultants, it seems like they are all practicing a narrow niche of corporate law (capital markets). I'm guessing litigation doesn't carry well over the border?
  8. Those that are practising American law in these Canadian offices do not have to pass the NCA process because they are not really Canadian lawyers?
  9. Oh no, I would love a call. It's just that I wonder how likely is it for them to sit in the office on a Friday night making calls.
  10. So no calls reported today? I thought the blog says they'll be extending first-round offers today?
  11. Offer. ~81% (~ 3.75 GPA) with drops. 174. Submitted in late Oct./early Nov.
  12. We are like identical in almost everything, cept I have crappy EC.
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