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About harrypotterfan

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  1. For me, because my existing credit was over 10k, it was either close them or deduct the limits from the PSLOC...which deducted quite a bit!
  2. If TD made me get a co-signer, I would have signed with Scotia too, so that sucks! Scotia’s CCs are good, I agree with you, it’s just that closing down my existing credit cards and closing that credit history was a dealbreaker for me. If anyone’s curious, TD has a waived fee on some of their cards too (like cash back visa infinite) if you have an all inclusive chequing account, which also has no fees so long as you are a student with a student line of credit.
  3. Not a silly question. I recommend applying for PSLOC first because you have to report (or they’ll see it on your credit report) how much you currently owe for student loans, so it’s better to reporting less of that, I think. So do the PSLOC first, then student loans. But yes you can do both, I have applied to both for this coming Fall and got approved for both.
  4. I did the same as you. I did try and negotiate with Scotia but the only advantage was that they offered 135k and no interest payments while in school (still accruing) but I would have to close down my existing credit cards or deduct the limit. They initially said prime + 0.5% but reduced it to 0% after I told them what TD offered but I still went with TD. TD had the free Bluetooth speaker, no co-signer, 125k at prime + 0%, nothing but interest payments until 2 years after articling, no need to close down other credit (which is important because it’s years of credit history for me and closing it would hurt my score). And better customer service, more knowledgeable than who I had at Scotia (which I got from the PSLOC list on the website).
  5. What is considered a small amount of existing credit? Thanks!
  6. Thanks! I appreciate the advice. I did get in Ottawa so that’s it for me!
  7. Waitlisted as well, 3.55 CGPA, 3.8 b2/l2, 150, 152 and 157 (feb 2018) LSATs
  8. I may be overthinking this, but is there anything to worry about with blazers that have one button closures vs. two buttons? I find that I look nicer with one button but is that any less professional?
  9. Waitlisted as of yesterday, apparently but didn’t see it until today. No email, just saw it on OASIS. Kind of exciting since I have been straight up rejected from them a couple times already. 3.55 cGPA, 3.88 B2L2 (if that even matters) and 150 (Dec 2014) 152 (Feb 2015) and 157 (Feb 2018) General
  10. I want to say someone from the Common Law Student Society but I have no idea. I saw a post that said it’s technically it’s only a discussion group for those accepted for fall 2018 and they’re still working on setting up the actual class of 2021 Facebook group.
  11. I'm wondering if someone can help me out with some math here. I'm debating between TD and Scotiabank for their PSLOC. I plan on borrowing around $30,000/year from the PSLOC while in law school. For TD, I could get $125,000 at prime. I'd have to do interest payments even while in school. I wouldn't have to start payments on the principal amount until 2 years after articling. For Scotia, I could get $125,000, also at prime. I would not have to worry about interest payments until a year/(or two?) after articling. Interest would still accrue the moment I started borrowing, I just wouldn't have to make those payments until later. I think my question is: Is it ideal to pay interest while I am in school, or, is it better to go with the bank that lets me wait as long as I possibly can to pay interest (so I can keep that money in my savings account for something else?) Is the overall amount of interest that I end up paying relatively the same, or do I end up paying more if I choose one over the other? I did the math and I am pretty sure the interest works out to be the same and that the benefit with choosing Scotia over TD is that it provides more flexibility with WHEN you want to pay the interest payments. Am I correct?
  12. Just noticed it. https://www.facebook.com/groups/848909388622770/
  13. Thank you so much!! I appreciate that. It sounds amazing. I’ll make an apt and ask, but out of curiosity, do you know how repayment works for TD compared to Scotia’s PSLOC, ie if it’s like Scotia where you don’t have to start making payments (interest) until a year after articling?
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